Simple payments from the outset via OnlinePay

Take online payments securely through your website, or if you don't have one yet, send payment links.

Call 1300 603 266

Simple pricing, no lock-in contracts

Simple flat rate, just 1.4% per transaction

No-fuss solution
No lock-in contracts, monthly or establishment fees or additional per-transaction fee1. Chargeback fees apply.
Shopping cart integration
Plug-ins for simple integration of OnlinePay with major shopping carts like WooCommerce and Shopify.2
Payment links
No website is needed to get started. For prompt payments just send customers a payment link.
Access your money faster
Nightly settlement of funds into your eligible Bank of Melbourne business transaction account.3

Fast, cost-effective online payments with OnlinePay

Keep payments on track with OnlinePay

Scalable business solution

  • No website needed to get started – send payment links by the channel of your choosing (e.g. SMS, email, social media)
  • Use the dashboard to view and reconcile both OnlinePay and in-store4 transactions in real-time.

Payment convenience

  • Take payments via your website, virtual terminal or with payment links.

Safe and secure payments

  • An extra layer of protection for your business with 3D Secure.

24/7 support

  • Speak to us for servicing and support by calling our Merchant Helpdesk on 1300 603 266.

Extra features that grow with your business

Tailored options

  • Speak to a payment specialist about the specific needs of your business, call 1300 603 266 from 8am-6pm, Mon-Fri.

Insights and reporting

  • Real-time sales history, transaction summaries, and settlement reports available via the dashboard and a reporting API.

Security enhancements

  • On top of 3D Secure, take advantage of merchant blocking rules and card tokenisation.

Flexible payments

  • Customised payment experiences and tailored payment flows using a Bank of Melbourne hosted secure checkout page or other APIs.

How do I get started?

1. Open a business transaction account

If you don’t have one already, you’ll need a Bank of Melbourne Business transaction account to deposit your payments into.5

Open Business Freedom account

2. Chat with a payment specialist

Call us 8am-6pm, Mon-Fri to chat about your payment needs and to apply.

Call 1300 603 266

How it all works

Dashboard features

Real-time dashboard:

  • Oversee and reconcile all EFTPOS Now and OnlinePay transactions.

Branding and customer experience:

  • When taking payments from a checkout page, update your logo, fonts and colours to reflect your brand.

Sales insights:

  • View sales history, transaction summaries, settlement reports.

Seamless payments

Accept a host of card types:

  • Including Mastercard®, Visa®, plus digital wallets like Apple Pay and Google PayTM. American Express® and JCB cards can also be accepted - subject to separate agreements#.

Automated surcharge:

Reduce your risk:

  • 3D Secure may assist with reducing fraud and chargeback risks.

Integration types

Shopping cart plug-ins:

  • Connects OnlinePay to your existing shopping cart including Shopify, WooCommerce, Magento, PrestaShop and OpenCart.

Checkout and API:

  • Tailor your payment experiences with customised payment flows through a Bank of Melbourne-hosted secure checkout page or other APIs.

Pay by link:

  • Create payment links and send via a channel of your choice.

Virtual terminal:

  • Accept payments by phone or mail, entering the cardholder details into a virtual terminal on the OnlinePay dashboard.

Looking for something else?

eCommerce solutions

Require an online payment solution more suited to regular billing, subscription services, or recurring payments? 

    

Explore eCommerce

EFTPOS solutions

Need a mobile or counter-based in-store payment solution that works with your point of sale system?

    

Learn about EFTPOS

FAQs

All business types are eligible to apply for OnlinePay, please call 1300 603 266 from 8am-6pm, Mon-Fri to apply.

Helpful resources

Merchant guides and tips

Developer resources

Need help?

Read user guides, get online training, and access 24/7 help.

Get merchant help

Get started now

1300 603 266

24/7 tech support

OR

8am-6pm, Mon-Fri to speak to a payment specialist.

The Detail

Applications for payment solutions are subject to approval. Terms and Conditions, other fees and charges (PDF 90KB) apply. Full details are available on request.

1. 1.4% flat rate pricing: Applies to Mastercard and Visa payments by card or digital wallet.

2. Please ensure you contact your cart provider to understand any fees or charges that may apply with these vendors when using OnlinePay.

3. Same day settlement: Subject to system availability, settlement is performed directly after business day cut off. Business day cut-off for OnlinePay takes place 7-days a week at 8.00 pm (Sydney time). Settlement must be to an eligible Bank of Melbourne business transaction account. 

4. The dashboard can be used to view transactions made via EFTPOS Now.

5. Business accounts: Before making a decision about any of our products or services, please read the terms and conditions available at bankofmelbourne.com.au. Fees and charges apply and may change.

# If you want to accept American Express or JCB cards you will need to enter into separate agreements with American Express or JCB International.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google Inc.

Mastercard® is a registered trademark of Mastercard International Incorporated.

Visa® is a registered trademark of Visa International Service Association.

American Express® is a registered trademark of American Express.