Card Access Services

What Card Access Services does

Card Access Services Pty Ltd (CAS) is an Australian private proprietary limited company founded in 1987 and headquartered in Saint Leonards, Sydney, that operates one of Australia's longest-running payment gateway platforms. Its core product is a secure payment gateway that connects to 10 major Australian banking partners and more than 80 banks globally, processing online, phone (IVR), unattended, and recurring card payments for merchants. The proprietary ETx platform provides merchant management, real-time transaction and settlement reporting, virtual terminal access, and recurring billing, while a separate ePG Payment & Reconciliation Platform has been deployed for the Brunei Ministry of Finance as a central payment hub.

The company sells across a diversified vertical mix, including banks (Bank of Queensland branch teller pinpad deployment using Verifone P400 devices), water utilities (Greater Western Water, Unity Water unattended dispensers), energy and telecommunications (Alinta Energy, Telstra Business), healthcare (HBF), and government and nonprofit donation campaigns. Specialized solutions include EMV-certified unattended card readers (certified OTI Trio/Uno, integrated with Nayax), a Tanker Filling Station Management System built with Abberfield Industries, a WooCommerce plugin, and custom software development services.

Revenue is generated primarily through transaction fees on payment processing, supplemented by recurring billing subscriptions, merchant services, and bespoke development engagements. Pricing is quote-based with monthly billing, dedicated account managers assigned to every merchant, and 24/7 technical support included at no premium. Distribution combines direct enterprise sales with banking partner referrals, technology resellers (Vend Access, Abberfield), and self-serve online onboarding for smaller merchants. CAS maintains the highest level of PCI DSS Compliance (audited by SecureTrust), Visa Global Registry recognition, and EMV accreditation, which together anchor its position in regulated Australian payment processing.

Name

Card Access Services

Legal name

Card Access Services Pty Ltd

Website

https://cardaccess.com.au

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Card Access Services is an Australian payment gateway provider founded in 1987 that processes online, phone, unattended, and recurring card payments for enterprise and SMB merchants across banks, utilities, government, and retail, connected to 10 Australian banks and 80+ banks globally.

Ownership category

akta.pro rank

Product category

Payment Gateway Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

Keywords

• Payment gateway services
• Online payment processing
• Merchant services
• Recurring billing solutions
• PCI compliant transactions

Headquarters

HQ city

Saint Leonards

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payment Gateway Services: Transaction processing fees for secure online payments, hosted payments, direct API payments, token payments, and virtual terminal services. The company processes payments across multiple channels including online, phone (IVR), and unattended terminals.
2. Recurring Billing Services: Subscription-based recurring billing system for managing recurring payments, editing customer payment details, configuring notifications, and generating various reports. Offered through the ETx billing platform.
3. Merchant Services: Internet merchant facilities and banking connections providing access to merchant accounts and payment processing capabilities
4. Custom Software Development: Bespoke development services for businesses requiring tailored payment solutions beyond standard offerings

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Card Access Services operates Australia's most experienced payment gateway since 1987, providing secure payment processing infrastructure that connects merchants to 10 Australian banks and 80+ banks worldwide. The company offers a comprehensive suite including hosted payments, direct API, tokenization, virtual terminal, recurring billing, IVR phone payments, batch processing, and unattended/vending payment solutions, along with specialized platforms like the ETx merchant portal and the ePG government payment hub.

Product overview

Card Access Services is Australia's most experienced payment gateway (operating since 1987) offering a comprehensive payment processing platform with multiple integration options. The core Secure Payment Gateway connects to 10 Australian banking partners and 80+ banks worldwide. The product portfolio includes: the main gateway platform; Hosted Payments (redirect-based), Direct API (integration-based), Token Payments, and Virtual Terminal for online payments; Recurring Billing, Direct Debits, Batch Payments, and IVR Phone Payments for billing; Reporting & Reconciliation for merchant reporting; White Label Payment Gateway for rebranding; plus specialized solutions for Mobile Payments, Unattended/Vending Payments, POS Software, and Custom Development. Supporting platforms include ETx Merchant Management Portal (transaction reporting and Virtual Terminal access), ETx Billing (recurring payment management), ePG (government payment hub deployed in Brunei), and TFS (water dispensing management). The company serves diverse verticals including retail, vending, water utilities, banking, and government.

Differentiator

Problem solved

Functional benefit

Brands

• ETx / ETX: Merchant management portal and billing system for transaction reports, settlement reports, and virtual terminal access.

Products and services

• Hosted Payments A hosted payment page solution that redirects customers to a CAS secure payment page, reducing PCI compliance scope for merchants. Designed for e-commerce and online businesses requiring quick deployment without coding.
• Direct API API integration solution allowing merchants to embed payment processing directly into their websites or applications for real-time e-commerce transactions. Supports token payments and multiple payment methods.
• Token Payments Tokenization solution for securely storing customer payment credentials and processing repeat payments without storing sensitive card data. Enables recurring billing and one-click repeat purchases.
• Virtual Terminal Web-based terminal for manually processing card payments, refunds, and viewing transaction reports in real-time. Used by merchants for phone orders, mail orders, and counter sales.
• Recurring Billing Automated recurring payment solution for subscription-based businesses with configurable billing schedules, customer payment management, and automated notification capabilities.
• Direct Debits Direct debit payment solution for processing automated bank transfers from customer accounts, used by businesses requiring scheduled debits from Australian bank accounts.
• Batch Payments Bulk payment processing solution for handling multiple transactions in a single batch upload, suitable for invoice runs, membership renewals, and mass payouts.
• IVR Phone Payments Interactive Voice Response system enabling customers to make secure card payments over the phone through automated prompts, allowing 24/7 unattended phone-based payment collection.
• Unattended/Vending Payments Cashless payment solution for unattended retail environments including vending machines, car washes, laundromats, and kiosks. Supports EMV-compliant card readers and integrates with OTi Trio/Uno devices.
• White Label Payment Gateway Customizable payment gateway solution allowing businesses and ISOs to rebrand and offer payment services under their own brand with CAS infrastructure in the background.
• POS Software Point-of-sale software solutions including a branch teller interface designed for bank counter operations, integrating with Verifone P400 pinpad devices.
• Custom Software Development Bespoke development services for businesses requiring tailored payment solutions beyond standard offerings, including specialized integrations and custom payment workflows.
• ePG Payment & Reconciliation Platform Central payment hub for government departments, banks, and third-party channel providers offering a single integration point with switching and reconciliation for multiple payment instruments including cash, cheque, TT, and electronic payments. Deployed in Brunei.
• ETx Merchant Management Portal Merchant management interface providing real-time transaction reports, bank settlement reports, and access to Virtual Terminal for processing payments and refunds. Includes transaction summary charts for weekly summaries.
• ETx Billing Recurring billing system portal for creating and managing recurring payments, editing customer payment details, configuring notifications, and downloading reports.
• Tanker Filling Station (TFS) Management System Management system for water filling station equipment providing central payment processing, remote monitoring, customer usage management, transaction data access, and price management for unattended water dispensing operations.

Quantifiable outcome

• Visa Global Registry recognition for meeting PCI Standards and supporting secure technologies including EMV, tokenization, and P2PE
• +1 more outcomes

Named customers13 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core and supporting.

• EFTPOS AustraliacoreTechnology or Integration · 16 February 2023Card Access Services completed integration with EFTPOS Australia, enabling CAS merchants to accept EFTPOS cards via online payment or terminal solutions. Release planned for Q2 2023.
• SecureTrustcoreTechnology or Integration · 6 May 2021SecureTrust serves as Card Access Services' Qualified Security Assessor (QSA), performing the highest level of due diligence after each infrastructure upgrade and new system component installation. The partnership dates back to 2012. SecureTrust has featured CAS in a spotlight client case study and video content discussing PCI compliance.
• Bank of QueenslandcoreTechnology or Integration · 17 October 2020CAS was engaged by Bank of Queensland to assist with branch teller enhancement project. CAS supplies its teller pinpad solution comprising Verifone's next generation P400 pinpad devices with CAS branch teller interface software, deployed to BOQ branches Australia-wide.
• VerifonesupportingTechnology or Integration · 17 October 2020Verifone provides P400 pinpad devices used in CAS' branch teller enhancement solutions for Bank of Queensland and potentially other banking customers.
• OTIsupportingTechnology or Integration · 23 February 2018Card Access Services certified OTi Trio and Uno unattended credit card readers in Australia. The OTi devices are sold in Australia by Vend Access and used in unattended retail businesses including vending machines, laundromats, arcades, car washes, car parks, and kiosks.
• Vend AccesssupportingChannel Partner/ Reseller/ Distributor · 23 February 2018Vend Access sells OTi Trio and Uno unattended card readers in Australia in partnership with CAS and Paymate Australia, creating a low-cost solution incorporating payment gateway, merchant services, card reader, and telemetry.
• Paymate AustraliasupportingTechnology or Integration · 23 February 2018Paymate Australia provides merchant services as part of the solution with Vend Access and CAS for unattended payment terminals enabling users to pay in real-time using credit or debit cards.
• Abberfield IndustriescoreStrategic or Co-development Partner · 17 May 2017CAS partnered with Abberfield Industries to provide payment, reconciliation, and management solution for government and private water suppliers in Australia using WD3000N range of products. The CAS Tanker Filling Station (TFS) Management System provides central payment processing, remote monitoring, and price management for water dispensing equipment.
• Paymate AustraliasupportingTechnology or Integration · 17 May 2017Paymate Australia provides unattended payment terminals and merchant services for the water dispensing solutions, allowing users to pay in real-time using credit or debit cards.
• WooCommercesupportingTechnology or Integration · 21 April 2015CAS developed a plugin for WooCommerce shopping cart for WordPress that works with CAS Hosted Payments solution, enabling merchants to add e-commerce functionality without coding.
• Australian Banking PartnerscoreTechnology or IntegrationConnected to 10 major Australian banks including Bank of Melbourne, Bank SA, St George, NAB, BWAMS, Westpac, Commonwealth Bank, Suncorp, Bendigo Bank, and ANZ, providing wide choice for merchant account providers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/73154

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Card Access Services