about us

We're Vocalink, a Mastercard company

Vocalink technologies power the UK’s real-time payments, settlements and direct debit systems, as well as the country's network of nearly 60,000 ATMs. We process over 90 percent of salaries, more than 70 percent of household bills and almost all state benefits.

In 2017, we became part of the Mastercard family, joining one of the most widely recognised and respected technology companies in the world. Together, we’re making payments safer, simpler and smarter.

Powering the UK's economy

Faster Payments

Vocalink designed and built the real-time payments infrastructure that powers Faster Payments in 2008. Today we operate and maintain the service on behalf of Pay.UK. 

Bacs

Vocalink runs, maintains and services the technical infrastructure that processes over 4.4 billion automated batch payments annually on behalf of Bacs.

LINK

Vocalink provides transaction switching, clearing and settlement for the UK LINK scheme — the world’s busiest ATM network comprising over 60,000 ATMs.

ICS

Vocalink developed and implemented an image-based cheque clearing system in partnership with The Cheque and Credit Clearing company, part of Pay.UK.

Current Account Switch Service

Vocalink's current account switching service heralds a new epoch in banking customer service.

Empowering people around the world

United States

In 2016, Vocalink signed a contract with The Clearing House (TCH) to develop a national real-time payments service in the US. Real Time Payments went live in November 2017.

Thailand

Vocalink helped transform payments in Thailand, providing a real-time payments infrastructure and mobile application that has enabled greater financial inclusion.

Singapore

Vocalink helped the Singapore payments industry realise its ambition of implementing immediate bank transfers and debit requests as part of the FAST service.

Sweden

Vocalink is a partner of Sweden's automated clearing house, Bankgirot – the first time a national payments system has outsourced its payments processing to a non-domestic player.

Peru

We are currently rolling out a managed service to support Latin America and the Caribbean region, starting with Peru. It will provide access to real-time payments, batch payments, mobile payments applications and analytics services for both real-time payments operators and other consumers of real-time services, such as banks.