Who We Are

Enabling businesses to grow through payments 

End-To-End Payments  

Every second, more than 500 payments are made in Australia – invisible to most, but critical to powering our daily lives.

They’re the force behind every salary paid, every cart checked out, every business that keeps trading, and a society that keeps moving.

Businesses are behind some of the most cutting-edge payment experiences used today.

And who is behind them? We are.

Australia’s largest independent payments provider

Since 1966, we’ve played a foundational role in shaping the nation’s payments ecosystem as Australia’s largest independent provider of end-to-end payments and regulated data solutions.

From real-time payments, card issuing, and acquiring, to fraud monitoring, digital wallets, regulated data services and more—our clients trust us to simplify complexity, reduce risk, and help them compete.

Today, Cuscal supports banks, fintechs and corporates by providing the connections, capital strength and capabilities that allow them to deliver seamless, secure and scalable payment experiences to their customers. 

We’re proud to be moving payments forward—for our clients, their customers, and the future of finance in Australia. 

Your Payment Command Centre 

Beyond the major banks, we’re the only organisation combining the licensing, infrastructure, and capabilities to support all payment types and regulated data services.  

Think of us as your payment command centre—uniting real-time payments, card issuing, acquiring, fraud monitoring, data solutions, digital wallets, and APIs in one seamless ecosystem. 

Watch our video about Cuscal’s role enabling the smooth, secure flow of card payments in Australia.

Tailored Solutions for Every Business

We collaborate with established financial institutions, fintechs and forward-thinking businesses. Whether you’re a mutual bank expanding services, a fintech scaling products, or a superannuation provider meeting the demand for same-day payments we’ll work with you to customise a solution that meets your unique needs.

A Proven Track Record 

We are a pioneer in payment innovation with many firsts to our name. We launched Australia’s first ATM in the 1970s, the first ADI to offer all three of the ‘The Pays’, and the first certified NPP PayTo Payer and Initiator in 2022.

We have a long history of adapting and responding to new market conditions and rapidly changing customer needs by harnessing the power of emerging technologies and products. We are always looking for new ways to make payments easier, more convenient, and more secure for our clients and their customers.

Solid Partnership 

Partnership and trust are at the heart of our business, and we pride ourselves on being a trusted partner to a diversified client base. Confident in the knowledge and expertise we offer, our clients trust our reliable and innovative payments and data solutions to help them grow. 

Consumer Data Right (CDR) Capabilities 

By managing the many technicalities of the Consumer Data Right on behalf of Data Holders and Data Recipients, Cuscal opens the door to regulated data sharing.

In an increasingly data-driven marketplace, access to consumer data is the key to value creation and profitable growth. While the Consumer Data Right (CDR) gives consumers choice, control and convenience, Cuscal gives Australian enterprise unlocked opportunity.

Licensed and Compliant 

The capabilities we have built require significant investment in infrastructure and licensing, allowing us to facilitate our clients’ confident and compliant participation in payments and data. 

Our current licences and accreditations include:

• Authorised Deposit-taking Institution (ADI) 
• Australian Financial Services Licence (AFSL) 
• Accredited Data Recipient (ADR) 
• Reserve Bank Information and Transfer System membership (RITS) 
• Exchange Settlement Account (ESA) with the RBA 

A Differentiated Edge 

As an ADI (Authorised Deposit-taking Institution), Cuscal is uniquely positioned to offer increased capabilities and end-to-end functionality.