Card issuer
Issues cards to cardholders and receives the interchange fee on each transaction. Every retail bank is an issuer, and so is American Express on its own proprietary cards.
14 companies
- A three-party scheme that issues its own cards and acquires its own merchants — the most expensive network for Australian merchants, and no longer RBA-regulated.American ExpressCard scheme · Card issuer · AcquirerNew York, New York, USA
- Does not acquire on its banking licence — Australian card acquiring sits in ANZ Worldline, which ANZ took to full ownership in August 2026.ANZBank · Lending · Card issuer · NPP (New Payments Platform)Docklands, Melbourne, VIC, Australia
- Refers merchant business out rather than acquiring — BOQ Specialist routes clients to Tyro Health or Fiserv’s Clover depending on the industry.Bank of QueenslandBank · Lending · Card issuer · NPP (New Payments Platform)Newstead, Brisbane, QLD, Australia
- Does not acquire. Its merchant offer is white-labelled from Tyro, which has been its exclusive acquiring partner since 2020.
Bendigo and Adelaide BankBank · Lending · Card issuer · NPP (New Payments Platform)Bendigo, VIC, Australia - Australia's largest bank by assets and a top-tier acquirer, with its own Smart terminal family and an eCommerce stack currently mid-rebuild.CommBankBank · Online payment gateway · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
- The wholesale acquiring licence much of the Australian fintech payments layer actually rides on — including Zeller and Shift4.CuscalBank · Acquirer · PSP software · NPP (New Payments Platform) · Card issuer · Online payment gatewaySydney, NSW, Australia
- Closing its Australian retail bank and selling its A$36bn loan book. Its payments offer, Omni Collect, is delivered in partnership with Fiserv and Azupay.HSBC AustraliaBank · Lending · Card issuer · NPP (New Payments Platform)Barangaroo, Sydney, NSW, Australia
- Sixth largest bank in Australia by assets, and a card issuer only — there is no merchant or EFTPOS product anywhere in its Australian range.ING AustraliaBank · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
- Australia's fifth largest bank by assets, and one that tells businesses plainly it does not offer merchant facilities — DEFT is collections, not card acquiring.Macquarie BankBank · NPP (New Payments Platform) · Lending · Card issuerSydney, NSW, Australia
- Direct acquirer and the most significant wholesale sponsor among the majors — several other providers board merchants onto NAB.NABBank · Online payment gateway · Lending · NPP (New Payments Platform) · Card issuerMelbourne, VIC, Australia
- Started as a Sydney building society in 1937, owned by Westpac since 2008, and still listed in its own right on Visa’s register of institutions licensed to acquire card payments in Australia.St.GeorgeBank · Acquirer · Card issuer · LendingSydney, NSW, Australia
- Now Norfina Limited and wholly owned by ANZ — and exiting merchant services entirely, with facilities ceasing 11 December 2026.
Suncorp BankBank · Lending · Card issuer · NPP (New Payments Platform)Brisbane, QLD, Australia - Australia's largest EFTPOS provider outside the major banks, and the only ASX-listed challenger bank built specifically around merchant acquiring.TyroBank · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
- Australia's oldest bank and second largest by assets, acquiring directly with the EFTPOS Air, Now and Flex range plus the PayWay gateway.WestpacBank · Online payment gateway · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia