PayWay Classic Credit Card API

PayWay Classic Credit Card API

PayWay is a simple, secure, internet-based solution to collect and manage customer payments.

About PayWay Classic Credit Card API

This page describes PayWay Classic Credit Card API.

PayWay Classic Credit Card API allows you to process credit card payments by passing full credit card details.

PayWay Classic Credit Card API requires you to be compliant with PCI-DSS PCI-DSS SAQ D as your system must store and transmit credit card details.

Alternative modules

To reduce your PCI-DSS compliance scope, you can instead store credit card details using the PayWay Recurring Billing and Customer Vault module or process one-off payments using the PayWay Net module.

These modules have a comprehensive REST API.


  • Full control - you are in complete control of the user experience
  • Fast - real-time response to each transaction request
  • Improved cash flow - same-day settlement for Mastercard, Visa and UnionPay transactions processed by 6pm AEST.

How it works

As your system stores and transmits credit card details, you must undertake the most difficult PCI-DSS compliance process.

  1. Your system obtains the credit card details from the cardholder
  2. Your system invokes the PayWay credit card API, passing card details and amount
  3. PayWay processes the payment, and responds with a receipt number and approved or declined
  4. Your system presents the response to the cardholder.

Developer documentation and sandbox

Download the PayWay API Developer's Guide.pdf.

Get a PayWay test facility and choose "My system meets PCI-DSS compliance for storing credit card numbers" to test your API integration.

Contact us

Purchase PayWay

Phone a Customer Care Banking Representative on 1300 368 098 between 8 am and 8 pm (AEST), Monday to Friday.

Add merchants, accounts, modules or close a facility

Phone a Customer Care Banking Representative on 1300 368 098 between 8 am and 8 pm (AEST), Monday to Friday.

Free test facility

To develop and test, get a free PayWay test facility.

Reset password

Visit Reset Password and use your email address and security question to reset your password.

If you have further problems accessing your account, please fax a written request with your name, phone number, email address and business name on a company letterhead to +61 2 4951 0055.

Technical support

Phone the Helpdesk team on 1300 727 111 between 8.30am to 5.30pm (AEST), Monday to Friday or email

Things you should know

(1) If you want to accept American Express, Diners Club or JCB cards you will need to enter into separate agreements with American Express, Diners Club International or JCB International.

PayWay® is a registered trademark of Westpac Banking Corporation. PayPal is a registered trademark of PayPal, Inc. Mastercard is a registered trademark of Mastercard International Incorporated. American Express is a trademark of American Express. UnionPay is a registered trademark of China Union Pay Co. Ltd. Australia Post is a registered trademark of Australian Postal Corporation. Acceptance of payments at Australia Post is subject to approval by Australia Post. BPAY is a trademark of BPAY Pty Ltd ABN 69 079 137 518.

Conditions, fees and charges apply. This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation and needs.

Copyright┬ę Westpac Banking Corporation ABN 33 007 457 141 AFSL & Australian credit licence 233714.