Cardlink is the Central Interchange Processor for the ever growing BPAY bill payment and BPAY View system, supporting around 185 million payments annually. Cardlink is also one of the largest specialist providers of credit card authorizations and clearance services in Australia, processing around 180 million transactions annually.

Our direct links with major clients are of the highest security standard.

Cardlink provides fast, accurate, high-volume paper processing and imaging services using high-speed scanning and data entry technology. Optical character recognition is used to read both printed and hand written details. Cardlink currently processes in excess of 95% of the credit card paper business within Cardlink's Document Processing Solution.

Cardlink is highly regarded in the Australian market for delivering value for money, efficient migration and integrated solutions, which generate significant cost savings via process reengineering and outsourcing. We are committed to improving our clients existing service arrangements as a key objective of our partnership approach.

Our broad range of processing facilities, technologies, security and support offers efficient, cost effective services to financial institutions both large and small.

Cardlink is committing to our clients that we will work in a consultative and professional partnership with all our relationships. Cardlink will continually seek to deliver strongly against clients' requirements, both now and in the future. Dedicated Relationship and Service personnel will ensure that your service needs are addressed.

Cardlink brings its expertise in technology, operational excellence, project management, security and experience in facilitating collaborative ventures (e.g. Vipro and BPAY).

Cardlink has secure data-exchange relationships with over eighty financial institutions, serving more than 400,000 merchants with transaction processing services across Australia.

Cardlink's management team maintains a thorough understanding of the complexity of, and the issues impacting upon, our clients' business. A dedicated Customer Response Team incorporating a relationship manager and customer service support team are assigned to regularly review business requirements, provide solutions, and serve as contact points for all day to day enquiries.

It is our strategy to formulate and maintain a genuine understanding of our clients' businesses and needs, and to provide innovative, high quality solutions from cost efficient delivery platforms.

Utilising Cardlink, banks can address transformation and processing needs across a broad range of functions, gaining significant efficiencies while keeping staff and investments focused on those operations that they need "to own and be best at" to achieve high performance. Banks also can use Cardlink to outsource the development, management and maintenance of technology applications supporting its operations. Using our application processing services, our clients can manage risk, balance workloads and capitalize on cost-effective and highly skilled labor pools more effectively.

Cardlink has established a reputation for providing robust, innovative industry and client specific solutions, with a flexible funding approach.

Cardlink will build and operate product and support services for our customers as required. Our ability to deliver new services outside the usual investment and priority constraints means our customers can adapt to their clients' demands as they arise.

Cardlink clients can be comfortable with our "world's best practice" operations and security systems. Cardlink is fully compliant with all industry and regulatory requirements such as: APRA, Visa and MasterCard and was one of the first organizations in Australia to be Payments Card Industry (PCI) compliant.

Additionally, Cardlink's Disaster Recovery Procedures (DRP) covers our Computer and Network facilities. In the event of operational problems, Cardlink has two back-up sites triangulated to ensure minimal disruption to daily operations and especially all value and time critical functions. Critical department DRP plans are reviewed and tested on an annual basis.