---
updatedAt: 2026-02-05T00:06:38.000Z
agentTools:
  siteIndex: https://merchants.westpac.com.au/llms.txt
  projectIndex: https://merchants.westpac.com.au/onlinepay/llms.txt
---

# Transactions business models for wallet transactions

| Business model                                             | Transaction type                                                                                                                      | Shopper Interaction | Stored Credential Contract | Token Preference or Reference | Stored Credential Request Type | Stored Credential Processing Model |
| ---------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------- | ------------------- | -------------------------- | ----------------------------- | ------------------------------ | ---------------------------------- |
| Online purchase with shopper present                       | One-off online purchase without                                                                                                       |                     |                            |                               |                                |                                    |
| Storing card payment details for future use.               | `ECOMMERCE`                                                                                                                           |                     |                            |                               |                                |                                    |
| Online purchase with shopper present                       | Online purchase where shopper agrees to store card details for future use. This can be a zero-value transaction account verification. | `ECOMMERCE`         |                            | `REUSE`                       | `SIGNUP`                       | `NONE`                             |
| Subscriptions                                              | Initial transaction to sign up for a subscription.                                                                                    | `ECOMMERCE`         |                            | `REUSE` or `reuse_token`      | `SIGNUP`                       | `RECURRING`                        |
| Non-fixed in time contracts (such as auto account top-ups) | Initial transaction to sign up for the terms and conditions of later subsequent charges.                                              | `ECOMMERCE`         |                            | `REUSE`                       | `SIGNUP`                       | `NONE`                             |

> 📘 Note
>
> To initiate a transaction with reference to previously stored credentials ( `CHARGE` ) use `/v2/transactions/card` endpoint instead.