Westpac PayWay

Connect Westpac PayWay to PayLexer, configure API credentials, and start processing AUD payments for Australian businesses.

Westpac PayWay is an Australia-based payment gateway by Westpac Banking Corporation, providing secure online payment infrastructure for Australian businesses. It supports card payments, direct debit, BPAY, digital wallets, and PayTo for businesses operating in Australia.

Supported Regions (Merchant Accounts): Australia
Supported Currencies: AUD

This gateway appears in checkout only when the selected currency is AUD.

Supported Features

One-time payments
Refunds
Real-time payment status updates

Before You Start

Make sure you have:

Westpac PayWay Merchant Account – Don't have one? Sign up for Westpac PayWay →
PayLexer Account – Required to configure the integration. Create your account →
A website where you want to integrate

Looking for a different payment processor? View all supported gateways →

Configuring Westpac PayWay

You need a Publishable API Key, Secret API Key, and Merchant ID from Westpac PayWay for this integration.

Getting API Credentials

Westpac PayWay Settings page with REST API Keys highlighted under Access to PayWay

Generate your Publishable API Key

Click + Add to create a new API key.

REST API Keys page showing the + Add button

Select Publishable and click Save.

Add REST API Key form with Publishable option selected and Save button highlighted

After saving, click on the copy button to copy your Publishable API Key.

View REST API Key page showing Publishable API Key with copy button

Generate your Secret API Key

Click Back to return to REST API Keys. You will see your Publishable key listed. Click + Add again.

Select Secret and click Save.

Add REST API Key form with Secret option selected and Save button highlighted

After saving, click on the copy button to copy your Secret API Key.

View REST API Key page showing Secret API Key with copy button

Your Secret API Key expires annually and must be renewed. Save it securely before continuing.

Find your Merchant ID

Navigate to Settings - Banking - Merchants.

Westpac PayWay Settings page with Merchants highlighted under Banking

Your Merchant ID is listed in the Merchant ID column.

Merchants page showing Merchant ID and Merchant Name columns

Westpac PayWay provides separate credentials for Test and Live environments. Test credentials begin with T (e.g. T20385_PUB_...) and Live credentials begin with L (e.g. L20385_PUB_...). Configure credentials in both environments to enable full testing.

Adding Credentials to PayLexer

Open PayLexer Dashboard

PayLexer Payment Gateways page with Westpac PayWay card highlighted

Enter your credentials

Paste the Publishable API Key, Secret API Key, and Merchant ID you copied from Westpac PayWay.

PayLexer Configure Westpac PayWay form showing Live/Production and Test/Sandbox credential fields

Understanding Live/Production and Sandbox Settings:

Environment	Purpose
Live / Production (Mandatory)	Used for real transactions. Cannot be empty, even when testing.
Test / Sandbox (Optional)	Used for testing only. No real money is processed.

How PayLexer selects credentials:

Debug/Test mode ON → Test credentials are used
Debug/Test mode OFF → Live credentials are used

Test and save

Click Test Connection to verify your credentials, then click Save Configuration.

Webhooks (Not Supported)

Westpac PayWay does not currently support webhook integration.

Payment updates are handled directly within Westpac PayWay's processing flow
Real-time event notifications are not available
Payment status updates occur through standard API polling

This means payment confirmations may take slightly longer to appear compared to gateways that support webhooks.

Integrate Westpac PayWay to Your Website

If you have already added and configured your site, you can enable Westpac PayWay in your existing setup.

Go to Websites

Navigate to Websites in your PayLexer dashboard.

Edit your website

Click the Edit Icon of your added website.

PayLexer Websites page showing the edit icon in the Actions column

Enable Westpac PayWay

Click the checkbox to enable Westpac PayWay for the website, then click Save Settings.

Edit Website modal with Westpac PayWay checkbox enabled and Save Settings button

If you haven't added a website yet, Continue to Add Your Website →

Troubleshooting

Verify your Publishable API Key and Secret API Key are correct
Ensure you are using the right environment credentials (Test vs Live)
Confirm your Secret API Key has not expired - Westpac PayWay Secret API Keys expire annually
Re-run Test Connection in PayLexer
Confirm your Westpac PayWay merchant account is active and approved

Verify Westpac PayWay is enabled in your integration
Ensure credentials match the environment (Test vs Live)
Confirm Test credentials start with T when in Test mode
Verify the payment method used is enabled on your Westpac PayWay merchant account (card, direct debit, etc.)

Confirm the card type is supported (Visa, Mastercard, Amex, Diners Club, UnionPay, JCB, EFTPOS)
In Test mode, use PayWay test card numbers - real cards are not processed in sandbox
Ensure the card payment feature is activated on your PayWay merchant account

Best Practices

Test in Test mode before enabling Live mode
Validate the first live transaction after switching to Live mode
Renew your Secret API Key before its annual expiry to avoid payment disruptions
Use separate Test and Live credentials - Westpac PayWay Test keys are prefixed with T
Monitor the gateway dashboard for failed payments
Keep Secret API Key credentials secure
Ensure Debug/Test mode is enabled during testing, save Test credentials in PayLexer alongside Live credentials

FAQs

Live credentials are mandatory to save the configuration. Test credentials are optional but highly recommended so you can safely test payments before going live. Westpac PayWay Test API keys are prefixed with T.

Check the Debug Mode setting in your platform (e.g., WP Travel Engine Settings - Payments). When Debug Mode is ON, PayLexer uses your Test credentials. When OFF, it uses Live credentials.

Transactions appear in three places: your platform's booking or order pages (e.g., WP Travel Engine - Bookings), PayLexer Dashboard - Orders, and Westpac PayWay Portal - Transactions. All three show the same transactions with different IDs.

Westpac PayWay Secret API Keys expire annually. Log in to your Westpac PayWay merchant portal, go to Settings - REST API Keys, generate a new key, and update it in PayLexer immediately.

Westpac PayWay does not support webhooks. PayLexer handles payment status updates through direct API polling rather than real-time event callbacks.

No. Westpac PayWay exclusively supports AUD. It is designed for Australian businesses processing payments in Australian dollars only.

Still Have Questions?

Westpac PayWay Support: Westpac PayWay Help Center
PayLexer Support: Contact Support

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