Our transformation goal
To be New Zealand’s network for all types of interactions, payments, identity, loyalty – on any device anywhere.
There are four key ideas guiding our journey
Compliance
Growth from new digital products
Cloud-driven delivery
A five-year hybrid transformation
Goal
Attract new customers & expand our footprint
A modern, low-cost, compliant, and flexible payments platform reduces friction and risk while delivering more value for our customers, helping Paymark become a trusted and valued partner.
Making it easier to do business with us
Reducing costs for our customers
Providing value-add services
Creating commercial partnership opportunities
Providing safe & trusted ways to pay
Key customer benefits
Lower costs & easier integration
Direct to scheme links reduce card-scheme work and change costs
Efficient scalable operations
Terminal Gateway unifies connectivity, Future Switch optimises routing and less disruption
More in appendix →
Goal
Achieve 55% revenue from digital products by 2030
We see growth coming from new products & they deliver better value. While the traditional business declines, we have growth in ecommerce & open banking.
Continuously improving and adding new products and features
Leveraging the huge opportunity behind digital identity
Key customer benefits
For merchants/enterprise:
Faster onboarding, lower compliance effort, more conversions
For banks:
Faster time-to-market, easier integration, secure identity/consent
More in appendix →
Goal
Terminal Gateway & Future Switch live
By developing the Future Switch and Terminal Gateway, we’re building products that enable traditional card payments to evolve with our customers’ needs: PCI compliant infrastructure, reduce card-scheme compliance, lower change costs, and make it easier for merchants and partners to do business with us.
Key customer benefits
Faster onboarding
Get merchants live faster with quick, frictionless setup
Easier updates
Keep merchants current with the latest features and improvements
More in appendix →
Goal
Embed our new leadership principles
We'll ensure we follow and embed group's new leadership principles & behaviours into our ways of working.
Making it easier to do business with us
Reducing costs for our customers
Providing value-add services
Creating commercial partnership opportunities
Providing safe & trusted ways to pay
We will achieve this by applying the same leadership principles to guide New Zealand’s transformation
Drive
Secure
Extend
Expand
Key benefits
Future-focussed
Build capabilities, mindsets, and talent for the five-year journey
One team
Unite teams across functions and systems to form a cohesive, customer-centric network
More in appendix →
Copyright ©2026 Cuscal Paymark All rights reserved.
Main Paymark site →
Our transformation goal
To be New Zealand’s network for all types of interactions, payments, identity, loyalty – on any device anywhere.
There are four key ideas guiding our journey
Compliance
Growth from new digital products
Cloud-driven delivery
A five-year hybrid transformation
Goal
Attract new customers & expand our footprint
A modern, low-cost, compliant, and flexible payments platform reduces friction and risk while delivering more value for our customers, helping Paymark become a trusted and valued partner.
Making it easier to do business with us
Reducing costs for our customers
Providing value-add services
Creating commercial partnership opportunities
Providing safe & trusted ways to pay
Key customer benefits
Lower costs & easier integration
Direct to scheme links reduce card-scheme work and change costs
Efficient scalable operations
Terminal Gateway unifies connectivity, Future Switch optimises routing and less disruption
More flexible payments
Tap on Mobile, Direct Pay, Online EFTPOS; Repeat Pay
More in appendix →
Goal
Achieve 55% revenue from digital products by 2030
We see growth coming from new products & they deliver better value. While the traditional business declines, we have growth in ecommerce & open banking.
Continuously improving and adding new products and features
Leveraging the huge opportunity behind digital identity
Key customer benefits
For merchants/enterprise:
Faster onboarding, lower compliance effort, more conversions
For banks:
Faster time-to-market, easier integration, secure identity/consent
For channel partners:
New revenue streams, faster deployments, stronger trust
For consumers:
More payment options, seamless loyalty, safer data handling
More in appendix →
Goal
Terminal Gateway & Future Switch live
By developing the Future Switch and Terminal Gateway, we’re building products that enable traditional card payments to evolve with our customers’ needs: PCI compliant infrastructure, reduce card-scheme compliance, lower change costs, and make it easier for merchants and partners to do business with us.
Continuing to stay compliant with scheme processing
Delivering real, merchant-focused value
Key customer benefits
Faster onboarding
Get merchants live faster with quick, frictionless setup
Easier updates
Keep merchants current with the latest features and improvements
Scalable and consistent experiences
Scale with confidence as businesses grow, with reliable cross-channel performance
Accelerate innovation
Deliver measurable value sooner through rapid, merchant-focussed enhancements
More in appendix →
Goal
Embed our new leadership principles
We'll ensure we follow and embed group's new leadership principles & behaviours into our ways of working.
Client first performance every time
Taking charge, owning outcomes
Winning as a team
Leading courageously
We will achieve this by applying the same leadership principles to guide New Zealand’s transformation
Secure
Extend
Expand
Drive
Key benefits
Future-focussed
Build capabilities, mindsets, and talent for the five-year journey
One team
Unite teams across functions and systems to form a cohesive, customer-centric network
More in appendix →
Copyright ©2026 Cuscal Paymark All rights reserved.
Main Paymark site →
Our transformation goal
To be New Zealand’s network for all types of interactions, payments, identity, loyalty – on any device anywhere.
There are four key ideas guiding our journey
Compliance
Growth from new digital products
Cloud-driven delivery
A five-year hybrid transformation
Goal
Attract new customers & expand our footprint
A modern, low-cost, compliant, and flexible payments platform reduces friction and risk while delivering more value for our customers, helping Paymark become a trusted and valued partner.
Making it easier to do business with us
Reducing costs for our customers
Providing value-add services
Creating commercial partnership opportunities
Providing safe & trusted ways to pay
Key customer benefits
Lower costs & easier integration
Direct to scheme links reduce card-scheme work and change costs
Efficient scalable operations
Terminal Gateway unifies connectivity, Future Switch optimises routing and less disruption
More flexible payments
Tap on Mobile, Direct Pay, Online EFTPOS; Repeat Pay
More in appendix →
Goal
Achieve 55% revenue from digital products by 2030
We see growth coming from new products & they deliver better value. While the traditional business declines, we have growth in ecommerce & open banking.
Continuously improving and adding new products and features
Leveraging the huge opportunity behind digital identity
Key customer benefits
For merchants/enterprise:
Faster onboarding, lower compliance effort, more conversions
For banks:
Faster time-to-market, easier integration, secure identity/consent
For channel partners:
New revenue streams, faster deployments, stronger trust
For consumers:
More payment options, seamless loyalty, safer data handling
More in appendix →
Goal
Terminal Gateway & Future Switch live
By developing the Future Switch and Terminal Gateway, we’re building products that enable traditional card payments to evolve with our customers’ needs: PCI compliant infrastructure, reduce card-scheme compliance, lower change costs, and make it easier for merchants and partners to do business with us.
Continuing to stay compliant with scheme processing
Delivering real, merchant-focused value
Key customer benefits
Faster onboarding
Get merchants live faster with quick, frictionless setup
Easier updates
Keep merchants current with the latest features and improvements
Scalable and consistent experiences
Scale with confidence as businesses grow, with reliable cross-channel performance
Accelerate innovation
Deliver measurable value sooner through rapid, merchant-focussed enhancements
More in appendix →
Goal
Embed our new leadership principles
We'll ensure we follow and embed group's new leadership principles & behaviours into our ways of working.
Client first performance every time
Taking charge, owning outcomes
Winning as a team
Leading courageously
We will achieve this by applying the same leadership principles to guide New Zealand’s transformation
Secure
Extend
Expand
Drive
Key benefits
Future-focussed
Build capabilities, mindsets, and talent for the five-year journey
One team
Unite teams across functions and systems to form a cohesive, customer-centric network
More in appendix →
Copyright ©2026 Cuscal Paymark All rights reserved.
Main Paymark site →