aid: cuscal
url: https://raw.githubusercontent.com/api-evangelist/cuscal/refs/heads/main/apis.yml
name: Cuscal
kind: company
description: >-
  Cuscal Limited is Australia's largest independent provider of payments and
  regulated data services outside the Big Four banks, founded in 1966 and listed
  on the ASX (ticker CCL). An Authorised Deposit-taking Institution regulated by
  APRA and ASIC, Cuscal supplies the connectivity and processing layer beneath
  hundreds of banks, mutuals, credit unions, fintechs, non-bank lenders and
  corporates - carrying scheme card issuing and acquiring, the New Payments
  Platform (NPP) with PayID and PayTo, Direct Entry, BPAY, RTGS, ATM services,
  AI-driven fraud monitoring, and Consumer Data Right (open banking) data-holder
  and accredited-data-recipient services. Its acquisitions of Indue and the
  Paymark/Strategic Payments Services businesses broadened its issuer-processor
  and acquiring reach. Cuscal's API posture is B2B and relationship-gated: it
  runs a public-facing Developer Hub (ReadMe-hosted) documenting CMS REST APIs
  for card issuing, card controls and PIN services with webhook notifications,
  but the full reference and any machine-readable OpenAPI definitions sit behind
  client onboarding rather than open self-serve signup.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Card Issuing
- Issuer Processor
- Real-Time Payments
- Acquiring
- Open Banking
- Consumer Data Right
- Account-to-Account
- Fraud
- Banking-as-a-Service
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: cuscal:cuscal-digital-card-issuance-api
  name: Cuscal Digital Card Issuance API
  description: >-
    Part of Cuscal's CMS REST API family for card issuers. Enables instant
    digital card issuance and provisioning of cards into mobile and digital
    wallets (the 'Pays') for online and in-store transactions, with webhook
    notifications for card lifecycle events. Documented on the Cuscal Developer
    Hub; full reference and any OpenAPI definition are gated behind client
    onboarding.
  humanURL: https://www.cuscal.com/payments/issuing/digital-enablement/
  tags:
  - Card Issuing
  - Digital Wallet
  - Tokenization
  properties:
  - type: Documentation
    url: https://www.cuscal.com/payments/issuing/digital-enablement/
  - type: APIReference
    url: https://www.developerhub.cuscal.com.au/
- aid: cuscal:cuscal-card-controls-api
  name: Cuscal Card Controls API
  description: >-
    CMS REST API letting cardholders and back-office staff control and restrict
    card usage - locking and unlocking cards and blocking certain transaction
    types to reduce fraud. Documented on the Cuscal Developer Hub; full
    reference is gated behind client onboarding.
  humanURL: https://www.cuscal.com/payments/issuing/digital-enablement/
  tags:
  - Card Controls
  - Fraud
  - Cards
  properties:
  - type: Documentation
    url: https://www.cuscal.com/payments/issuing/digital-enablement/
  - type: APIReference
    url: https://www.developerhub.cuscal.com.au/
- aid: cuscal:cuscal-pin-services-api
  name: Cuscal PIN Services API
  description: >-
    CMS REST API providing self-service PIN set and change functionality that
    issuers can embed in mobile payment apps, removing reliance on PIN mailers.
    Documented on the Cuscal Developer Hub; full reference is gated behind
    client onboarding.
  humanURL: https://www.cuscal.com/payments/issuing/digital-enablement/
  tags:
  - PIN
  - Cards
  - Self Service
  properties:
  - type: Documentation
    url: https://www.cuscal.com/payments/issuing/digital-enablement/
  - type: APIReference
    url: https://www.developerhub.cuscal.com.au/
common:
- type: DomainSecurity
  url: security/cuscal-domain-security.yml
- type: Website
  url: https://www.cuscal.com/
- type: DeveloperPortal
  url: https://www.developerhub.cuscal.com.au/
- type: Documentation
  url: https://www.cuscal.com/payments/
- type: Portal
  url: https://www.cuscalpaymentshub.com.au/
- type: Blog
  url: https://www.cuscal.com/newsroom/
- type: PrivacyPolicy
  url: https://www.cuscal.com/privacy-policy/
- type: TermsOfService
  url: https://www.cuscal.com.au/cuscal-developer-hub-terms-and-conditions
- type: Support
  url: https://www.cuscal.com/payments/enablement-support/enablement-support-services/
- type: GitHubOrganization
  url: https://github.com/cuscal
- type: LinkedIn
  url: https://www.linkedin.com/company/cuscal
- type: DomainSecurity
  url: security/cuscal-domain-security.yml
- type: Conformance
  url: conformance/cuscal-conformance.yml
- type: Packages
  url: packages/cuscal-packages.yml
- type: Webhooks
  url: asyncapi/cuscal-webhooks.yml
- type: LLMsTxt
  url: llms/cuscal-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com