Benefit from:

Same Day Settlement1

  • Receive Same Day Settlement1 if you settle into your CommBank business account
  • Get access to your funds faster

Accept online payments from major card types

  • Including Mastercard™, VISA®, Amex®, Diners Club®, JCB® and Union Pay®
  • Credit, scheme debit and prepaid cards
  • Digital wallet payments e.g. Apple Pay and Google Pay

Complete payment gateway solution

  • Integrate with your existing payment pages or use ours
  • Full software development kit and your own log on credentials
  • Specialist technical support

Merchant portal

  • Manage your online payments easily with our easy-to-use Merchant Administration Portal
  • Search for transactions, run reports, configure user accounts and manage your risk settings
  • All in one convenient location

Have confidence in world-class security

Fraud protection shield image

Fraud protection

EMV3DS helps protect you and your customers from fraud related chargebacks with liability shift for these transactions. 

  • Using the merchant portal, build your own fraud rules to manage/restrict payment from risk sources
  • CommBank facilities are PCI compliant, so you don't have to worry about sotring sensitive card data

Secure checkout icon

Secure checkout

Ensure your checkout is secure with card tokenisation so you don't have to owrry about storing sensitive card data. 

  • CommWeb protects card data with unique and configurable tokens
  • Reduce risks associated with a data breach

Flexible options for easy integration

Hosted Checkout

The cardholder is redirected to the payment to enter their card details. CommBank’s logo can be added to the page to provide customers with peace-of-mind around authenticity of the transaction.

Hosted Lightbox 

The payment page will be presented as a lightbox over your website. CommBank’s logo can be added to the page to provide customers with peace-of-mind around authenticity of the transaction.

Hosted Session

The cardholder will stay on your website while completing the payment. Any customer sensitive data is passed securely through the payment gateway.

Direct Payment via API

The cardholder will stay on your website and you retain full control over the experience. You are required to collect the card details.

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Download the developer guide

How to apply

Here's how the application process works. 

1. Give us a call

  • We’ll discuss your eCommerce needs, ask for all required information and complete your application
  • We may ask for more information e.g. bank statements from other financial institutions

2. Review your application

  • We’ll email you your final application form to review
  • If no signature is required, we'll fast track your application for approval
  • If we need a physical signature, we'll email your application to you to sign and return

3. Get approved

  • If approved, we'll send you a confirmation letter with your merchant facility ID
  • It can take 5-7 days for processing

4. Set up your service

You’ll receive a welcome email with a temporary password to log into your account. 

Start your application

You’ll need

  • A business trading name registered with ASIC
  • A business transaction account to settle your sales to, or if you don't have one we can set up a CommBank Business Transaction Account2

Website requirements

Your website must clearly display:

  • Terms and conditions
  • Privacy policy
  • Refunds Policy, Dispatch & Deliveries Policy if you sell goods
  • Images and description of goods and services you are offering are clearly visible
  • Current contact details, including phone number, email address and trading address in Australia
  • Shipping/delivery information is required if you’re selling goods via their website
  • You must also make sure your Australian business trading name matches the primary name you use on your website


Have these details handy

  • Business contact information, including phone and email
  • Australian Business Number (ABN), business structure and registered address
  • Financial information, including yearly turnover, average transaction value, start date
  • Details of every director, partner or trustee depending on your business structure. This includes birth date, residency and occupation information

Call now

Things you should know

As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant AgreementFinancial Services Guide and Operator and User Guides at our Merchant Support Centre.

Applications for a merchant facility are subject to the Bank’s approval. View our Merchant Agreement, and further information available at our Merchant Support Centre.

American Express is a trademark of American Express. BPAY is a registered trademark of BPAY Pty Limited. Diners is a registered trademark of Diners Club International Ltd. JCB is a registered trademark of JCB Co. Ltd. Mastercard is a registered trademark of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association.

1 Same Day Settlement is available on all eftpos transactions made before 10.00pm (Sydney/Melbourne time) and all eCommerce transactions made before 5:30pm (Sydney/Melbourne time) for eligible customers with a CommBank transaction account and a linked CommBank merchant facility.

2 A Business Transaction Account is required to settle your transactions, if you apply online through NetBank. You can choose to settle your transactions to an alternate account held with us or another financial service provider by calling our Merchant Sales team on 1800 230 177, any time after your application is finalised. The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Terms, conditions, fees and charges apply to Business Transaction Accounts and NetBank. Read the Terms and Conditions for Business Transaction and Savings Accounts and the Electronic Banking Terms and Conditions (PDF) and consider whether these products are right for you.