PayWay Net

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

Find out more about PayWay.

About PayWay Net

This page describes PayWay Net.

PayWay Net allows you to accept once-off online payments.

You can use PayWay Net for:


How it Works

PayWay Net is available as either a hosted payment page or trusted frame.

Hosted Payment Page Trusted Frame
Payment pages hosted by us Embed PayWay trusted frame into your payment page
Accept credit cards and PayPal Accept credit cards
Setup using online wizard Integrate using Javascript and REST API
Customise with your logo and customer reference number label Maintain full control over customer experience and branding
Receive an email when each payment is processed Receive a real-time response back to your server
Protect yourself with Fraud Guard and 3D secure Protect yourself with Fraud Guard

PayWay Net also allows for your shopping cart details to be securely displayed on a payment page hosted by us. This integration type has been replaced by the trusted frame solution.

Other APIs

PayWay supports other ways to interface with your software:

Other APIs Features
PayWay REST API As well as the PayWay Net Trusted Frame, use the PayWay REST API to:
  • Store credit card and bank account details and take payments using the stored details.
  • Open virtual accounts for customers who pay you by direct debit/pay anyone.
  • Process file of credit card payments.
  • Download machine readable file listing all received payments for a day


PayWay Credit Card API Process payments by sending credit card details from your PCI-DSS compliant system.

Download the PayWay API Developers Guide.pdf.

Hosted Payment Page

No website development is required, but you may wish to add a link from your website to PayWay.

To setup PayWay Net:

  1. Purchase PayWay Net
  2. Sign-in to PayWay
  3. Click Administration in the menu and then Company Details
  4. Set your contact details, social media sites and upload a logo
  5. Click Setup Net in the menu and then Hosted Payment Page
  6. Choose No Website or Simple Link and follow the wizard

Make a note of your Biller Code.

You can customise:

To accept PayPal:

  1. Click Administration in the menu and then PayPal Accounts
  2. Follow the wizard to link your PayPal Business or Premier account to PayWay

No Website

Hosted Payment Page - No website

Your customer browses to PayWay and makes a payment

If you do not have a website, once you have setup PayWay Net, tell your customers to:

  1. Visit
  2. Click Make a Payment
  3. Enter your biller code and follow the prompts

Your customers will enter a reference number so you know who paid.

Hosted Payment Page - Simple Link

Your customer follows link from your website to PayWay and makes a payment

To link to PayWay from a website you are building in HTML, copy and paste the example HTML link into the <body>.

To link to PayWay from a website created with a content management system, add a link to this URL:

Replace ?????? with your biller code from the Hosted Payment Page wizard.

Example HTML link

<a href="">Pay</a>

To pass additional information to PayWay, you can add query string parameters to the URL.

This is useful if you want to:

Settlement Parameters

To choose which merchant or PayPal facility to use, use these parameters:

Parameter Notes
merchant_id Choose which of your linked merchant facilities to use for this payment.
paypal_email Choose which of your linked PayPal accounts to use for this payment.

Customer Email

To pass the customer’s email address to PayWay, use this parameter:

Parameter Notes
receipt_address Customer’s email address for receipt emails

Payment Reference Parameters

The Payment Reference is used so that you know who has paid. This appears as “Customer Reference Number” on PayWay transaction reports and the transaction search page. You may wish to use a customer number, membership number or invoice number.

To pass the payment reference to PayWay, use these parameters:

Parameter Notes
payment_reference Your reference for this payment.
payment_reference_required false if you do not want your customer to enter a reference number.
payment_reference_change true if you are passing payment_reference and want your customer to edit this value

To change the payment reference field name and validation rules, use these parameters:

Parameter Notes
payment_reference_text The label to the left of the payment reference field
payment_reference_text_help The help to the right of the payment reference field
payment_reference_minimum_length The minimum length allowed for the payment reference
payment_reference_maximum_length The maximum length allowed for the payment reference. At most 100.
payment_reference_check_digit_algorithm See list of supported algorithms below
Check Digit Algorithms
MOD10V01 for the Luhn algorithm

Payment Amount Parameters

To pass the payment amount to PayWay, use these parameters:

Parameter Notes
payment_amount Amount of the payment before any surcharge is added by PayWay.
payment_amount_change true if you are passing the payment_amount and want your customer to edit this value

To change the payment amount field name and validation rules, use these parameters:

Parameter Notes
payment_amount_text The label to the left of the payment amount
payment_amount_text_help The help to the right of the payment amount
payment_amount_minimum The minimum payment amount you accept
payment_amount_maximum The maximum payment amount you accept

This is useful if you accept payments for a variety of purposes. e.g. both events and donations.

Trusted Frame

Trusted Frame is embedded in your page

You embed the PayWay Trusted frame in your page

The PayWay Trusted Frame solution allows you to:

Contents of Trusted Frame

Screenshot of credit card frame

The trusted frame is part of the PayWay REST API.

For step by step instructions, see Trusted Frame Tutorial tutorial.

Shopping Cart Plugins

We have developed shopping cart plugins for:


Many other plugins have been developed by shopping cart providers.

If you are developing a new plugin, use the Trusted Frame.


Test Card Numbers

Use the following credit card numbers with your test facility. All other card numbers will return 42 No universal account. An incorrect expiry date will return 54 Expired card.

The cardholder name does not matter.

Card Number Security Code Expiry Response
4564710000000004 847 02/19 08 Visa Credit Approved
4564030000000007 847 02/20 08 Visa Debit Approved
5163200000000008 070 08/20 08 MasterCard Credit Approved
5163610000000008 847 02/20 08 MasterCard Debit Approved
2221000000000009 009 01/20 08 MasterCard Approved
6250947000000014 123 12/33 08 UnionPay Approved
6226880000000000 453 11/25 08 UnionPay Approved
6226880000000018 453 11/25 05 UnionPay Declined
4564710000000012 963 02/05 54 Visa Expired
4564710000000020 234 05/20 51 Visa Low Funds ($10 credit limit)
5163200000000016 728 12/19 04 MasterCard Stolen
376000000000006 2349 06/20 08 American Express Approved
343400000000016 9023 01/19 62 American Express Declined
36430000000007 348 06/22 08 Diners Club Approved
36430000000015 988 08/21 43 Diners Club Stolen
3530000000000003 573 10/25 00 JCB Approved
3530000000000011 573 10/25 05 JCB Declined

Contact Us

Purchase PayWay

See Enquire Now.

Add Merchants, Accounts, Modules or Close a Facility

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

Free Test Facility

To develop and test, get a free PayWay Test Facility.

Reset Passwords

Visit Forgotten 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


PayWay® is a registered trademark of Westpac Banking Corporation

Copyright © Westpac Banking Corporation ABN 33 007 457 141 AFSL & Australian credit licence 233714

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. Terms and conditions available on application.

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.

(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.

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