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DirectOne online payment system


Updated on July 29, 2014
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General Information

DirectOne is a secure hosted payments page provided by the SecurePay payment gateway that allows you to accept credit card payments from your web site.

DirectOne is a product of SecurePay - A business of Australia Post, and is certified to level 1 of PCI DSS.



The DirectOne hosted payment page system gives you a high level of control over look and feel.

Upload your company logo and page background images. Change colours, fonts and table border and spacing values.

The end result is a better customer experience and therefore more payments for you.

These settings can be made in the Members Area once you have an account.

3D Secure

DirectOne is one of the first Australian Payment Solution Providers to implement 3D Secure, providing businesses and customers the latest in credit card security and fraud prevention.

3D Secure allows your customers to use a personal password with their Visa and MasterCard credit cards (similar to the PIN used with their ATM cards), giving them added assurance that only they can use their credit cards to make purchases over the Internet, with participating merchants. This will give cardholders and merchants greater confidence in online credit card transactions. The cardholder is ensured control over card use for online purchases and will be more confident shopping with you. And because the Card Issuer authenticates the cardholder, you are assured that the cardholder is who he says he is, reducing fraud and disputes significantly.

PCI DSS Certified

DirectOne is fully PCI DSS accredited. Each year, SecurePay is audited onsite to ensure compliance with the latest PCI standards. PCI DSS defines security standards and industry best practices to protect credit card account information. Adherence to these standards will minimise the possibility of data compromise.

Credit Card Verification Value

DirectOne supports Credit Card Verification Value (CVV) checking for credit card payments.This checking will provide an additional level of fraud protection for your credit card payments. By asking your customers to enter the CVV, you increase the likelihood that they are holding the card used for the transaction, thereby reducing the chance of fraud.

128-Bit SSL

DirectOne provides you with full 128-bit SSL browser encryption via our own Secure Certificate. This means that all credit card information, payment retrieval and all account tools are fully secured at all times. You do not have to provide your own certificate or worry whether your web hosting company charges you extra for setting this service up.

Credit Card Number Security

DirectOne never stores the credit card numbers. This means that should someone gain access to our system, you client's credit card numbers can never be stolen. DirectOne passes transaction information directly to the bank for processing.


DirectOne saves you the following costs:

  • Obtaining a secure certificate
  • Finding a hosting company that will let you install the secure certificate
  • Finding a hosting company that will let you install and configure gateway software
  • Interfacing your web site with your secure payments gateway ($1500 - $6000 depending on complexity and provider)
  • Satisfying the banks requirements for taking secure payments over the Internet

Hosting Independent

This means that you can host your web site anywhere in the world and still use DirectOne. Independence also allows you to change your hosting at any time without affecting your on-line payments.

Platform Independence

Your DirectOne account is accessed using standard web programming code (HTML). This means that setting up your on-line store to take secure payments is easy and can be performed by any web programmer. You can have your on-line store written in any language you like, because the payments sent to your account at DirectOne is independent of all languages and hosting platforms (UNIX, Windows NT, etc.). This also means that nearly any shopping cart can be easily modified to work with DirectOne.

Bank Independence

DirectOne is not a bank but works with the majority of Australian banks. This means that you can continually shop around for the best merchant service fee and still use your existing DirectOne account. This ability to choose is a fundamental principle of the DirectOne system and we continue to talk to banks and other financial institutions regarding Internet payments and fees.

Full On-Line Reporting

DirectOne provides customisable reporting formats for all payment information collected by your account. You can choose to have information collated and emailed to you at regular intevals as well as choosing how you wish to view data on-line. DirectOne recognises that different businesses have different accounting needs and therefore provides a reporting system that can be tailored to individual requirements.

On-Line Refund facility

DirectOne allows you to refund a transaction online via our secure Member's section. Our system will make sure only an authorised person is allowed to refund a transaction by asking the you to login using your account name, password and PIN.

Unrestricted Products

There is no limit to the number of products you sell or the prices that you charge. All product information is passed to DirectOne from your businesses web site. This means that you are in total control over your inventory and do not need to inform DirectOne when you make product or price changes.

Products & Services

DirectOne offers two payment processing options to suit your needs. These services can be operated simultaneously from a single DirectOne account.

Hosted Payments Page

The DirectOne hosted payment page handles the:

  • SSL security
  • Invoice creation and payment including
    • Product itemisation and totals
    • GST calculation
    • Customer information capture and display
    • List of available card types
    • Customisation of colours, fonts, header and background images
    • Merchant contact information
  • Tax invoice receipting including
    • Emailed notification of the full order to the merchant
    • Emailed confirmation to the customer
  • Complete history of invoices

All your business needs is a DirectOne account, a hosted web site and a merchant facility able to accept Internet payments.


The optional FraudGuard service is offered by SecurePay to all online eCommerce merchants.

FraudGuard intelligently analyses transaction patterns to detect and prevent fraud in real-time.

More SecurePay Products and Services

More transaction processing and reporting options are available via other SecurePay online payment products including:

  • iFramed integration options
  • Direct Post
  • API's

SecurePay also offers industry-specific solutions for Billers and interfaces with a range of application providers including:

  • Batch
  • Scheduled
  • Tokenisation



Countries of use





What is included?

For a single price DirectOne provides a fully featured secure, real-time payment facility. Features include on-line reporting, SSL encryption, total customisation, GST features and currency conversion. There are no hidden charges.

DirectOne is separate to your web site hosting arrangements and your Bank Merchant Facility, both of which are required to take payments.

DirectOne now offers the option of a single service to facilitate both the Verified by Visa and MasterCard SecureCode "Payer Authentication" (also called as 3D Secure) solutions. See below for pricing information.

Post Paid Plan 1

$395 per annum with 45 cents per transaction (excluding GST).

Pre Paid Plan 1

$800 per 3000 transactions (excluding GST).

Note: Please contact SecurePay sales for more pricing options on 1300 786 756.

3D Secure (Verified by Visa & MasterCard SecureCode)

A single $395 per annum fee in addition to your chosen DirectOne pricing scheme to cover BOTH Visa & MasterCard (excluding GST).

Currently this feature is only supported by Westpac. Other banks will be supporting Payer Authentication in the future. 

Integration approaches

hosted page, API

Information for developers

Coding Examples

Technical Manual:

To integrate DirectOne, developers should download and read our system overview and integration manual.

There are also a number of tools and examples to help you get going.

DirectOne Examples and Code Generator:


Update Remote System:


DirectOne General Examples:

Online examples of DirectOne commands:


Order Page Logo and Background Images:

  • You can upload your logo for the top of every hosted page via the Members Login.
  • You can also upload a background image using the same tool.

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