Westpac PayWay

Financial Services90% confidence

Westpac PayWay is an online payment gateway and billing platform from Westpac that lets Australian businesses accept card, direct debit, BPAY and other electronic payments.

Sydney, New South Wales, Australia
payway.com.au
Owned by Westpac Banking Corporation

About Westpac PayWay

Westpac PayWay is a merchant services platform provided by Westpac Banking Corporation that enables Australian businesses and organisations to accept payments via credit and debit cards, bank account direct debit, BPAY, EFT/direct credit and PayPal. It offers multiple modules, including hosted payment pages, APIs, virtual terminals, batch payments and recurring billing tools, all managed through an online portal. PayWay focuses on helping businesses improve cash flow, reconcile payments easily and support recurring billing for memberships, subscriptions and regular fees.([westpac.com.au](https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/payway/?utm_source=openai))

A transaction description such as "payment Ref FBI-873705 payway" usually indicates that you made a payment to a third‑party business (for example, a school, council, utility, professional body or strata manager) that uses Westpac PayWay to collect payments. The “Ref FBI-873705” component is likely an internal reference or biller/booking identifier used by that organisation, while “payway” identifies Westpac’s payment platform. The charge amount and date will correspond to a bill, invoice, online form, phone payment or recurring debit you authorised through that merchant’s PayWay-powered checkout, phone payment line or recurring billing arrangement.([westpac.com.au](https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/payway-virtual-terminal/?utm_source=openai))

To resolve questions about a PayWay charge, first match the transaction date and amount to recent bills, invoices or online forms you completed, especially with Australian organisations that commonly use bank payment gateways (schools, government bodies, clubs, medical or professional services). Check any confirmation emails or receipts: they often mention “Westpac PayWay” or contain a similar reference number. If you still cannot identify the payee, contact your bank’s card or account support using the number on the back of your card; they can see the underlying merchant name behind the PayWay record. For integration or merchant-side issues, Westpac provides a dedicated PayWay portal, merchant support centre and technical help lines listed on the Westpac and PayWay websites.([westpac.com.au](https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/payway/?utm_source=openai))

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Westpac PayWay.

  1. PAYWAY4450462018
  2. payment Ref FBI-873705 payway

Frequently Asked Questions

What is Westpac PayWay and why do I see ‘payway’ in my transaction description?

Westpac PayWay is Westpac’s online payment gateway used by many Australian businesses to process card and bank account payments. If you see ‘payway’ (for example, “payment Ref FBI-873705 payway”) on your statement, it means your payment was processed through Westpac PayWay on behalf of another organisation, such as a school, council, utility, medical practice or membership body.

How can I figure out which business actually charged me through Westpac PayWay?

Match the date and amount of the PayWay transaction with recent bills or online payments you’ve made, and search your email for receipts or confirmations around that time that mention Westpac, PayWay or a similar reference number. If you still can’t identify it, contact your bank or card issuer and ask them to provide the underlying merchant name associated with that PayWay transaction.

Does Westpac PayWay offer recurring or subscription-style payments?

Yes. PayWay includes a Recurring Billing module that allows businesses to set up scheduled payments for memberships, subscriptions, tuition, strata fees and other regular charges, by credit card or direct debit. If you see a repeating PayWay charge for the same amount and interval, it is likely tied to a subscription or instalment plan you agreed to with the underlying merchant.([westpac.com.au](https://www.westpac.com.au/business-banking/merchants-and-payments/billing-and-invoicing/payway-recurring-billing/?utm_source=openai))

Can Westpac PayWay place temporary authorisation holds on my card?

Like most payment gateways, a PayWay merchant can perform pre-authorisations on your card to check available funds or secure a booking. These may show as pending or temporary holds on your statement and usually drop off or convert to a final charge within a few days, depending on how the merchant has configured their PayWay integration and whether they complete or cancel the transaction.

How do I request a refund for a Westpac PayWay charge?

Refunds must be processed by the business that took your payment, not by Westpac PayWay directly. Locate the merchant (from your invoice, receipt or by asking your bank for the merchant name behind the PayWay transaction) and contact them to request a refund. If you believe the charge is unauthorised and can’t resolve it with the merchant, lodge a dispute or chargeback with your bank or card issuer.

How do merchants access support if there is a problem with a PayWay payment?

Merchants can sign in to the PayWay portal to review transactions, settlement reports and error codes, and they can contact Westpac’s Merchant Support Centre or online payment specialists for 24/7 technical assistance and business-hours support regarding their PayWay configuration.([westpac.com.au](https://www.westpac.com.au/business-banking/merchants-and-payments/online-payments/payway/?utm_source=openai))

Can I cancel or pause a recurring payment that is being collected via Westpac PayWay?

Yes. To stop or pause a recurring payment set up through PayWay, you must contact the organisation that established the debit (such as your gym, school, club or service provider) and ask them to amend or cancel the arrangement in their PayWay system. For direct debit agreements, you can also request your bank to cancel future debits, but it’s still best practice to notify the merchant so they can update their records.([westpac.com.au](https://www.westpac.com.au/business-banking/merchants-and-payments/billing-and-invoicing/payway-recurring-billing/?utm_source=openai))

Where can I see more details or documentation about Westpac PayWay?

You can visit payway.com.au or the Westpac business banking site to read about PayWay’s modules, fees and terms, and merchants can log into the PayWay administration portal for transaction history and reports. Some organisations also provide a “Guide to paying with Westpac PayWay” on their own websites that explains how their specific PayWay payment pages and references work.([payway.com.au](https://www.payway.com.au/?utm_source=openai))

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