Payment processing issues Impacting Westpac transactions - [incident first identified 7 October 2026 11:17 AEST in AEST/AEDT timezone])

Westpac have confirmed this issue is resolved and have published the following guidance on impact windows:

Incident Start Date/time: 07 October 2026 @ 11:16 AEDT
Incident End Date/time: 07 October 2026 @ 11:33 AEDT
NPP Payment Self suspension Start Date/Time: 07 October 2026 @ 11:25 AEDT
NPP Payment Self-suspension end Date/Time: 07 October 2026 @ 11:33 AEDT

We are now resolving this issue. Information regarding the PA04 and AB01 error codes is avaialble from our developer documentation at https://developer.azupay.com.au/docs/making-payments#failure-reason-codes

*Reason* Code Description
*AB01* Clearing process aborted due to timeout. NPP Error. Client should retry for up to 8 hours before failing the payment and crediting the customers account.
*PA04* Participant Not Available. Receiving bank is experiences problems. Client should retry for up to 8 hours before failing the payment and crediting the customers account.

We have identified a spike in failures of outbound payments impacting a subset of transactions for several NPP participants stating at 11:17 and resolving at 11:47 AEST. The issue appears to be concentrated to Westpac based accounts.

These transactions are being rejected with PA04 or AB01 errors.
While the issue appears to have resolved, we recommend re-attempting impacted transactions if they are in a FAILED status and need to be re-attempted.