Powering economies, empowering people

We're Vocalink, a Mastercard company

Vocalink technologies power the UK’s real-time payments, settlements and direct debit systems, as well as the UK’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 2018, 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. 


Vocalink runs, maintains and services the technical infrastructure that processes over 4.4 billion automated batch payments annually on behalf of Bacs. On a peak day, 99.3 million transactions were securely processed through our data centres.


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


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.


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