Skip to Content

Payments & Data

Real-time Payments

As one of Australia’s largest independent providers of real-time payment solutions, we have the expertise, scale and infrastructure to maximise every opportunity the New Payments Platform (NPP) offers.

  • Real-time Payments for Banks
  • Real-time Payments for PSPs

Other Payments

Cuscal has a range of scalable core payment solutions to support and grow with your business.

  • Direct Entry
  • BPAY
  • Real-time Gross Settlement (RTGS)

Enablement & Support Services

Our specialist services include settlement, dispute resolution, reporting and reconciliation for all payment types.


From credit, debit and prepaid cards to mobile payments and APIs, our end-to-end service and solutions are designed to help your business thrive.

  • Card Issuing
  • Mobile Payments
  • Digital Enablement
  • Card Services

Consumer Data Right (CDR) Solutions

As a trusted CDR partner, Cuscal provides the infrastructure and connectivity solutions businesses need to connect to this open data ecosystem.

  • Data Holder Solutions for Banks
  • Data Holder Solutions for Non-bank Lenders
  • Data Holder Solutions for Other Sectors
  • Accredited Data Recipient Solutions

Financial Crimes Solutions

Our advanced data driven fraud monitoring platform leverages artificial intelligence and machine learning to process large amounts of data and identify high risk card and real-time payment transactions.

  • Fraud Monitoring for Cards
  • Fraud Monitoring for Real-time Payments

Acquiring Solutions

Businesses of all sizes trust Cuscal to provide the reliable, secure, and scalable acquiring services and support they need to thrive in the digital economy.

  • Merchant Solutions for Payment Facilitators
  • ATM Solutions

Latest News


Trust us, we are experienced

“We have a strong and productive relationship with Cuscal across a range of services. As we enter an era of accelerated change in financial services we expect our partnership with Cuscal to grow.”
– People’s Choice Credit Union

“Cuscal is the epitome of a trusted partner. Their commitment to collaborative design has resulted in the delivery of excellent payment experiences and services for our customers.”
– Bendigo & Adelaide Bank

“Cuscal is committed to delivering the best payments experiences for our customers through their expert team and deep understanding of the financial payments industry.”

“We’re proud to partner with Cuscal, a like-minded thought leader who shares our dedication to technological innovation in the Australian payments landscape.”
– Global Payments


Who is Cuscal?

Cuscal is a payments and regulated data services provider in Australia. As an Authorised Deposit-taking Institution, our extensive capabilities include real-time payments, other payments (DE, BPAY & RTGS), banking services, consumer data right (CDR) solutions, financial crimes solutions (fraud monitoring), card issuing and acquiring. Cuscal has an AA- credit rating by Standard and Poor’s.

Cuscal has nearly 60 years’ experience enabling clients with innovative, trusted, and secure solutions. Our history of firsts supports our expertise and ability to deliver products and services that provide a great experience for our client’s customers whilst allowing them to be competitive and relevant.

Our Vision: Enabling the Future

Our Purpose: Powering seamless and secure connections for customers. Always.

What is the New Payments Platform?

The New Payments Platform is Australia’s real-time payments system. It enables users to make payments simply and quickly between accounts at different financial institutions.

Watch our video about NPP or visit NPP Australia’s website.

What Consumer Data Right solutions does Cuscal offer?

Significant resources are required to build, maintain and uplift the technical platforms and operational processes that underpin the Consumer Data Right (CDR). As a  reliable CDR partner, Cuscal provides the infrastructure and connectivity solutions businesses need to connect to this open data ecosystem.

Cuscal has leveraged nearly 60 years of experience managing sensitive payments data, to create solutions that help businesses comply with CDR. These include data holder, data recipient and data holder production verification testing.

Let Cuscal bear the burden of compliance, so you can focus on what you do best

Contact us about Cuscal’s CDR solutions.

What is Open Banking?

Open Banking refers to the application of the Consumer Data Right (CDR) to the banking sector. It refers broadly to the sharing of banking data via the CDR ecosystem.

Since banking was the first sector to participate in the CDR ecosystem, you may hear people use the phrase ‘Open Banking’ interchangeably with the ‘Consumer Data Right’, but it is just one subset of the CDR regime.

Banking data such as transaction history, scheduled payments and account balances contain a lot of information about how we live our lives and spend our money. Making this data shareable under CDR means Australian businesses can create a wide range of competitive products, features and customer experiences.

Who is in the Board of Directors and Executive Leadership Team?

Information on Cuscal’s Board of Directors and Executive Leadership Team can be found on our website.

Contact Us

Get in Touch

Simply send us a message if you would like more information about Cuscal.

We’ll get back to you as soon as we can.

"*" indicates required fields

* indicates required fields
Privacy Statement: By providing your details, you consent to Cuscal contacting you about your enquiry. Cuscal’s Privacy Policy contains information about how we handle your personal information, how you may access and seek correction of the personal information held or raise a concern about how Cuscal has handled your information.