UK connectivity

Switching, settlement & resilience

Vocalink provides transaction switching, clearing and settlement for over 3 billion card-initiated transactions in the UK every year.

Our solution includes built-in network resilience services to maintain service during scheduled and unplanned outages.

Contact us

To find out more about our switching, settlement and resilience solutions, contact James Bushby

Our switching, clearing and settlement solution enables consumers and businesses to perform a range of banking transactions, including balance enquiry, cash withdrawal and cash deposits from any connected counter or ATM.

It supports interoperability between banks, making use of existing network infrastructure and a standardised message format, including an ISO 8583 to ISO 20022 translator.

Network resilience

Our network resilience solutions provide a robust and reliable contingency plan to keep customers transacting even when systems are unavailable. Both solutions support transactions from all connected counters and ATMs.

ATM managed service

Our card transaction gateway connects financial institutions and independent ATM deployers to Mastercard, Visa, Union Pay, Discover Financial Services and JCB schemes via an 'always-available' transaction processing infrastructure.


Post Office

Vocalink’s infrastructure enables over 30,000 individual Post Office counters — the largest branch network in Europe — to provide a range of basic banking transactions.
Read the case study


Vocalink provides transaction switching, clearing and settlement for the UK LINK scheme — one of the world’s busiest ATM networks comprising 55,000 ATMs.
Read the case study