who we are

We're Vocalink, a Mastercard company. Our technology powers the UK economy.


We design, build and operate industry-leading bank account-based payment systems. Our technology powers the UK’s real-time payments, settlements and direct debit systems, as well as networks of over 55,000 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.

Instant payments, all day, every day

The UK Faster Payments Service runs on Vocalink’s real-time payments infrastructure, enabling consumers and businesses to make instant payments all day, every day.

Read more about Faster Payments

Powering one of the busiest ATM networks

Vocalink provides transaction switching, clearing and settlement for the UK LINK Scheme — one of the world’s busiest ATM networks comprising over 54,000 ATMs.

Read more about Link scheme Read more about Post Office

Salaries, bills and benefits paid on time, every time

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

Read more about Bacs

Send money safely with just a phone number

Vocalink technology powers Paym in the UK, enabling people to send and receive payments with the banking app on their mobile phone, using their phone number as a unique identifier.

Read more about Paym

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