Protect your business online with market leading security

  • Activate EMV 3D Secure on all payments to authenticate cardholders and reduce the risk of fraud1
  • Use tokenisation for the secure storage of customer card details and help cut administration overheads

Manage payments with complete control

Accept payments however it best suits your business and customers. You can:

  • Schedule bills to be sent to your customers
  • Securely access your customers' billing history
  • Generate payment links and offer payment plans
  • Use our flexible and secure hosted solutions
  • Connect major shopping carts quickly and easily

Major card compatibility

Accept major card types like Mastercard®, Visa®, Amex® and more, so your customers can pay their way.

Same day settlement

When a purchase is made, you'll get the funds in your CommBank Business Transaction Account on the same day.2

24/7 support

Your online store works around the clock, so we do too. Speak with Australian-based support specialists any time.3

Connect a payment gateway


An eCommerce solution delivering payment choice, operational efficiency and security via a single API integration. 



A flexible payment gateway with a range of checkout options. Popular with businesses that have complex needs around recurring payments.



A sophisticated and highly customisable payment gateway. Popular with medium to large businesses.



Customise your payment solutions with easy integration


Develop an App for our App Marketplace on the Smart terminal.

Register your interest

Choose from hosted checkout, hosted session, direct payment, batch options or a combination.

Get direct, fast payments to a business account.

Develop with BPOINT

Tools, resources, and API documentation.

Develop with PowerBoard

Frequently asked questions

EMV 3D Secure (3DS 2.0) checks a number of data points to identify and authenticate customers. Based on the calculated transaction risk, the cardholder may be prompted to verify their ID eg. with a one-time password or biometric authentication. 

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 (or estimated average online sales), 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

If you're applying online for Simplify, you'll also need:

  • A business trading name registered with ASIC
  • A CommBank Business Transaction Account4

Yes, you may be able to settle into another bank account – please call 1800 730 554 for assistance.

Websites must contain:

  • Terms and conditions
  • Privacy policy
  • Refunds policy
  • Dispatch and deliveries policy if you sell goods
  • Images and description of goods and services you're offering are clearly visible
  • Current contact details, including phone number, email address and trading address in Australia
  • Shipping/delivery information if you're selling goods via your website

You must also ensure your Australian business trading name matches the primary name you use on your website.

Things you should know

  • Applications for a merchant facility are subject to the Bank’s approval. View our Merchant Agreement and Financial Services Guide and consider them before making any decision about these products. 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 hub.

    EMV 3D Secure (3DS 2.0) is available across Simplify Hosted Payments and eInvoicing, BPOINT, PowerBoard, and CommWeb. 

    Same day settlement is available on all EFTPOS transactions made before 9.30pm (Sydney/Melbourne time) and all eCommerce transactions made before 5:30pm (Sydney/Melbourne time) for eligible customers with a CommBank Business Transaction Account and a linked CommBank merchant facility.

    3 24/7 support is available for general enquires only. Technical support is only available 7am – 7 pm (Sydney/Melbourne time).

    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 Payment Solutions team on 1800 730 554, 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. The target market for this product can be found within the product’s Target Market Determination.

    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. Afterpay and the related service mark and logo are registered and unregistered trademarks of Afterpay Australia Pty Ltd. PayPal and the PayPal logo are trademarks of PayPal Inc. Google, Google Pay and related marks and logos are trademarks of Google LLC.