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Merchant Choice Routing (MCR) Online

PayWay is a simple, secure, internet-based solution to collect and manage customer payments. Merchant Choice Routing (MCR) Online allows you to route all Visa or MasterCard debit card payments to eftpos, or allows you to choose which network to route to, based on a threshold value you specify. As a business, MCR Online may allow you to save on transaction costs.

Benefits of MCR Online

The benefits of MCR Online are:

  • Save on transaction costs - MCR Online gives you the choice to route online payments to the scheme network with the least cost identified
  • Simplified setup - MCR Online rules can be configured by any administrator user by signing in to PayWay

How to implement MCR Online

To enable MCR Online you will need someone with Client Administrator access.

MCR Online is available for Visa and MasterCard debit card payments processed through:

  • PayWay Net (including REST API)
  • PayWay Classic Credit Card API
  • PayWay Batch
  • PayWay Virtual Terminal
  • PayWay Recurring Billing and Customer Vault (including REST API)

To enable MCR Online:

  1. Sign in to PayWay
  2. Click to open Settings
  3. Click Merchants
  4. Click Configure Merchant Choice Routing
  5. Agree to terms and conditions and click Enable MCR Online
  6. Configure each merchant and click Save.

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The information contained in this publication is provided for learning purposes only and is subject to change. Revisions may be issued from time to time that encompass changes or additions to this module.

This is a guide only and it is not comprehensive. It does not impinge on or overrule any formal arrangement you may enter into with the Bank. The Bank and its officers shall not have any liability for any losses of any kind incurred in connection with any action, inaction or decision taken in reliance on the information herein or for any inaccuracies, errors or omissions. In this publication references to the "Bank" are to Westpac Banking Corporation ABN 33 007 457 141 and to any of its operating Divisions, including BankSA and St.George.