PayWay

PayWay (also known as Westpac Online Pay) is a Westpac payment gateway for Australian businesses. If you use PayWay, you can integrate it directly with StoreConnect.

PayWay supports standard checkout payments with optional 3D Secure 2 (3DS2) authentication.

What you need

• A PayWay merchant account
• A publishable API key and secret API key from your PayWay portal
• Your merchant account ID (for production)
• A 3DS contract ID from PayWay (if enabling 3DS2)

Step 1: Get your PayWay API keys

1. Sign in to your PayWay merchant portal.
2. Go to Settings > REST API Keys.
3. Copy your Publishable API key and Secret API key.

See the PayWay REST API documentation for more detail on API keys and authentication.

Step 2: Configure PayWay as a payment provider in StoreConnect

1. In StoreConnect, go to the Payment Providers list and select New.
2. Enter the payment provider details as follows, then select Save.

StoreConnect field	Value
Provider	PayWay
API Mode	sandbox or production
API Key	Publishable API key
API Secret	Secret API key
API Options	Use for 3DS2 (see below)

Step 3: Set your merchant account ID (production only)

In production mode, add your merchant account ID to the API Options field:

merchant_account: "YOUR_MERCHANT_ACCOUNT_ID"

In sandbox mode this is not required — StoreConnect automatically uses the PayWay test merchant account.

Enable 3D Secure 2 (3DS2)

3DS2 is an opt-in feature that adds an authentication step to card payments. When enabled, the checkout performs device fingerprinting, a 3DS lookup, and presents an in-page challenge if required by the card issuer. Passing 3DS2 shifts chargeback liability for eligible transactions to the card issuer.

3DS2 authentication applies to initial purchases, additional payments, and subscription billing.

To enable 3DS2, add the following to the API Options field:

three_d_secure: true threeds_contract_id: "YOUR_3DS_CONTRACT_ID"

Obtain your 3DS contract ID from PayWay. Contact your Westpac relationship manager or the PayWay support team if you do not have one.

A full production configuration with merchant account and 3DS2 enabled:

merchant_account: "YOUR_MERCHANT_ACCOUNT_ID" three_d_secure: true threeds_contract_id: "YOUR_3DS_CONTRACT_ID"

Payment error messages

When a card payment is declined, the specific error message returned by PayWay is displayed on the checkout form. This allows customers to understand the reason for the decline — for example, an incorrect card number or insufficient funds — without needing to contact support.