Vocalink provides the processing infrastructure behind the LINK Scheme.
The ATM switch delivers an 'always-available' transaction processing infrastructure that consistently offers >99.9% network availability and switches over 3.5 billion card-initiated transactions per year. It connects financial institutions, the post office, mobile phone operators and independent ATM deployers.
The LINK Scheme provides the operational service and contractual certainty which connects card issuers and cash machine operators together to enable card holders to access their cash.
LINK Membership comprises all the UK's main debit and cash machine card issuers (banks and building societies) and all the main cash machine operators (banks, building societies and independent ATM deployers or IADs).
Effectively, all of the UK's 70,000 cash machines are LINK-enabled and almost 54,000 of these ATMs are free-to-use. There are over 100 million UK issued LINK-enabled cards in circulation.
LINK has gained the trust of UK consumers over several decades. There are more than 130 million LINK-enabled UK debit and ATM cards in circulation. Virtually all cash machine operators in the UK are members of the LINK Scheme, which ensures that standards are maintained and costs controlled.
Membership of the LINK Scheme also includes benefits, such as fraud detection and alert services and access to a range of online management information tools that improve customer service and retention.
Our central switch operation also provides a gateway service to VISA and Mastercard and is backed up by a settlement process that handles comprehensive management information settling in excess of up to £430 million daily.