Business banking Products & services Accepting payments Accept payments from customers' bank accounts

Westpac Direct from Account.

A secure Westpac designed API service that lets you accept customer payments directly from their accounts into yours.

Visit the API developer portal

Introducing our API service.

Westpac's Direct from Account® API allows you to easily integrate account based payments into your payment platform - giving Westpac customers the ability to securely make online payments directly from their bank accounts. They simply login to Westpac One®, authenticate themselves, select their account then pay. No scheme credit or debit card required. Easy.

Other banks are now building and making payment APIs available for third party services, which is being driven by the Payment industry API standards.

There are an increasing number of third parties requesting access to payment APIs. This will allow more customers to make payments directly from their bank account as a viable alternative to card payments.

An increasing number of customers are seeking out online businesses who have the capability to accept secure, account based payments.

Key features.

  • Accurate reconciliation data with each payment: The reference data is supplied by the business, so there's no need to rely on your customers to enter any details.
  • Lower compliance requirements: No card information or customer login credentials pass through your systems, reducing  PCI DSS requirements and the risk of fraud. 
  • Secure online payments without the need for a scheme card: Opportunity to broaden your customer base and include customers who don't have a scheme card.
  • Fast settlement: Funds are cleared within a few seconds to a Westpac account and within a few hours on the same working day to other banks.  
  • Seamless payment experience: Westpac customers don't need to have credit card or bank account numbers on hand - customers simply use their Westpac login to access their online banking, then choose the account they want to make payment from.
  • Fraud protection for customers: Westpac customers that use Direct from Account are covered by the same fraud protection service offered with their online banking. Westpac's Online Guardian assesses all customer logins for unusual activities - providing peace of mind.

How Westpac Direct from Account works.

The Direct from Account API provides a secure connection to Westpac and allows Westpac customers to use their online banking credentials within a secure micro-service.

The Direct from Account API prompts the customer to follow these steps:

1

Authenticate

Using their Westpac One® login credentials.
2

Select the 'from' account.

Reference details provided by the business automatically populate the reference fields.
3

Make payment.

Westpac checks the transaction, then sends a success or failure message.
To access Westpac Direct from Account you need to have access to Westpac One set up and a transactional account with Westpac.

Info you need to know.

  • The Direct from Account service does not offer scheme protection for your customers, which means once the payment has been authorised it cannot be cancelled or reversed  
  • Payments must be authorised within 10 minutes to complete 
  • Each payment is restricted to a maximum of $10,000 and will be subject to a Westpac customer’s daily limit  
  • This service can only be used by online customers who have a Westpac transaction account and can approve a payment using their Westpac One login details.  

Get hands on with our APIs.

If you're a developer or business customer interested in using Westpac's APIs in your application, head to developer.westpac.co.nz to register your interest.  

Our Developer Relationship Managers will work with you and your organisation to become accredited. You can launch your application once your API Services Agreement is in place and we have approved your API platform application. 

Want to know more?

Visit the Westpac API Developer Portal or email the team directly.
Visit API portal
Email our Westpac team

Things you should know.

Terms, conditions, fees and charges apply to Westpac products and services.

Reference to non-Westpac websites are provided for your convenience only. Westpac accepts no responsibility for the availability and content of such websites.

Westpac Direct from Account and Westpac One are registered trademarks of Westpac Banking Corporation. Datacom Real Time Debit is a registered copyright of Datacom Group Limited.