How to secure and faster payment with Westpac PayWay extension

This blog is suitable for Magento 2 stores owners who are looking for an ultimate solution for connecting their checkout page with Westpac PayWay payment gateway. With the fast and secure payment process, your customers can always be protected and checkout easily in your websites.

Table of Contents

• What is Westpac PayWay?
• Benefits for business using Westpac PayWay payment
• How to integrate Westpac payment into Magento 2 websites?
• Advanced functions of Mageplaza Westpac PayWay module
  • PayWay Net Trusted Frame
  • Redirect to PayWay Hosted Site
  • PayWay Credit Card API
  • Almost card types are supported
  • Allow refund online
• Westpac PayWay extension - Full features

What is Westpac PayWay?

Westpac is known as Australia’s first bank and the oldest corporation with over 200 years of development. Also, it is one of the big four banking organizations in Australia and one of the largest banks in New Zealand.

Westpac offers a wide range of customers, businesses and institutional bankings and wealth management services through a portfolio of financial services brands and businesses.

In this blog, we would love to share with you the payment integration service of Westpac PayWay. They positioning themselves as “the simple and secure online solution enabling your business to collect and manage payments.”

Benefits for business using Westpac PayWay payment

• Multiple payment channels: Customers are allowed to pay via their Credit Card, Direct Debit, EFT/Direct Credit, Australia Post, BPAY and PayPal thanks to Westpac PayWay.
• Convenience for your customers: Westpac PayWay offers a choice of payment channels and set which are ready to use, your customers can experience an uninterrupted payment experience.
• Increase cash flow: Receive funds into your Westpac account overnight (excluding EFT payments). Direct Debit options to maximize on-time payments and trend reports for business analysis and forecasting.

• Easy settlement: All payments, including EFT, can be matched to a customer reference number. You can access daily transaction reporting and an administrative portal for a single business view.
• Auto billing and subscriptions: Set and forget manually regular payments with the option to auto-retry declined payments.
• Invoice and bill payments: Get paid faster with web, phone, BPAY, and Australia Post payment options.

How to integrate Westpac payment into Magento 2 websites?

Above are the ultimate features that Westpac banking offers to businesses when collaborate and use their service. Knowing that there are so many Magento 2 websites doing business in Australia and New Zealand, Mageplaza developed Magento 2 Westpac PayWay extension which helps stores integrate this payment gateway instantly and effortlessly with your checkout page.

In order to know detailed steps from setting up Westpac account to connecting it to your website server, please refer our ultimate guide here

Advanced functions of Mageplaza Westpac PayWay module

PayWay Net Trusted Frame

Among three integration ways, PayWay Net Trusted Frame allows customers to process payment right on the store checkout page. When customers choose this method to place order, a popup iframe shows requiring them to fill in their card details there. There is no need to move to another page, the all-in-one checkout page helps shoppers save their time and control over the payment process.

Redirect to PayWay Hosted Site

In contrast with the PayWay Trusted Frame, this second integration method redirect customers to the PayWay hosted website. There, customers provide their credit card information and process payment. All the payment data will be saved at PayWay, which is considered a better choice for security and credibility.

PayWay Credit Card API

The last integration method supported in the module allows customers to fill in their card information easily and instantly at the store site. The difference between PayWay Net Trusted Frame and PayWay Credit Card API is that API enables stores to use the most fitted credit card form (as in the image below). By this, customers can shop with more familiarity and convenience.

Almost card types are supported

Using the Westpac PayWay module, Magento 2 stores can accept the payment made by the most popular credit card types such as Visa, Mastercard, American Express, Diners, JCB, China Union Pay.

Besides, store owners should upload the certificate file (plus the username, password and IP address) so that the PayWay server can verify your identity. This action prevents fraud and theft transactions from your merchant ID.

Allow refund online

Refund online these days is indispensable since it showcases your credibility and customer-first perspective. Understand this need, Westpac PayWay allows customers to make refunds online in case they are not satisfied with the items during the validation time.

Westpac PayWay extension - Full features

Credentials

• Enter merchant ID
• Define Rest API Publishable Key
• Fill in Rest API Rest Key

Westpac PayWay Net Trusted Frame

• Activate/Deactivate this payment method
• Name the payment method
• Choose payment action: Authorize or Authorize and Capture
• Choose the order status of PayWay transaction: Processing or Suspected Fraud
• Allow credit card types: Visa, Mastercard, American Express, Diners, JCB, China Union Pay
• Upload PayWay logo
• Choose the nation to apply for this payment
• Set the max and min order total amount
• Activate the debug mode
• Define the payment position order at frontend

Westpac PayWay Net Hosted Page

• Activate this payment method
• Provide biller code
• Provide security username/ password
• Fill encryption key
• Name the payment method
• Choose payment action mode: Authorize or Authorize and Capture
• Define order status after payment recorded: Processing or Suspected Fraud
• Choose card types used: Visa, Mastercard, American Express, Diners, JCB, China Union Pay
• Upload PayWay image
• Choose applicable countries
• Set the max and min order total amount
• Activate debug mode
• Define the payment position order at frontend

Westpac PayWay Credit Card API

• Turn on/off this payment method
• Enter API Security Username/Password
• Upload certificate file
• Name the payment method
• Choose payment action mode: Authorize or Authorize and Capture
• Define order status after payment recorded: Processing or Suspected Fraud
• Choose card types used: Visa, Mastercard, American Express, Diners, JCB, China Union Pay
• Upload PayWay image
• Choose applicable countries
• Set the max and min order total amount
• Activate debug mode
• Define the payment position order at frontend

Final words

In short, Magneto 2 Westpac PayWay is built to supports your stores in integrating a popular online payment service which is simple, safe to better manage your cash flow and customer payments.