---
updatedAt: 2025-08-21T13:31:05.000Z
agentTools:
  siteIndex: https://merchants.westpac.com.au/llms.txt
  projectIndex: https://merchants.westpac.com.au/onlinepay/llms.txt
---

# Transactions business models for card payments

| Business model                                             | Transaction type                                                                                                                      | Shopper Interaction | Stored Credential Contract | 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`         |                            | `CREDENTIAL_ON_FILE`               |
| Online purchase with shopper present                       | Online purchase where shopper uses previously stored card payment details.                                                            | `ECOMMERCE`         | `ONE_CLICK`                | `CREDENTIAL_ON_FILE`               |
| Subscriptions                                              | Initial transaction to sign up for a subscription.                                                                                    | `ECOMMERCE`         |                            | `RECURRING`                        |
| Subscriptions                                              | Subsequent subscription charge.                                                                                                       | `ECOMMERCE`         | `MERCHANT_INITIATED`       | `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`         |                            | `UNSCHEDULED_CREDENTIAL_ON_FILE`   |
| Non-fixed in time contracts (such as auto account top-ups) | Subsequent charges as described in the initial terms and conditions during the sign-up transaction.                                   | `ECOMMERCE`         | `MERCHANT_INITIATED`       | `UNSCHEDULED_CREDENTIAL_ON_FILE`   |