Connectivity With Other Networks

VISA

1LINK provides VISA certification and connectivity to member banks to issue/acquire VISA debit cards
which can be used on the Global VISA Network. This allows 1LINK member banks to open their network
for international card acceptance.

1LINK is VISA-certified third party processor for VISA debit cards and as a third party processor,
1LINK has propelled usage of VISA debit in Pakistan.

UNION PAY

With the expansion of international tourism, Asian expat growth, and competitive fee structures,
UnionPay is an attractive addition to payment selections offered by financial institutions. Issuers
and acquirers are evaluating UnionPay in the payments market space as UnionPay gains significant
acceptance in the industry. Along with its huge acceptance, UnionPay provides support for a variety
of transaction models and payment channels. UnionPay offers support for traditional ATM and POS
transactions, as well as contactless and mobile payment transactions.

With this collaboration, 1LINK becomes the first entity in Pakistan to have direct membership with
UnionPay as Third Party Service Provider (TPSP). In addition to this, 1LINK and UnionPay also
entered into an acquiring agreement for 100% acceptance of UnionPay branded cards on all 1LINK ATMs.
With this initiative, all 1LINK member banks automatically become UnionPay acquiring members and can
accept international UnionPay Cards on their ATMs.

MASTERCARD

1LINK provides Mastercard certification and connectivity to member banks to issue/acquire Mastercard
Debit Cards which can be used on the Global Mastercard Network. This will help 1LINK member banks to
open their network for international card acceptance.

1LINK is a Mastercard-certified third party processor for Mastercard debit cards and as such, is the
force behind Mastercard debit in Pakistan.

JCB

1LINK has entered into a partnership as a third party processor for JCB in Pakistan. This partnership
offers member banks an economically viable business model; allowing member banks to issue cards
operational on the global JCB network.1LINK member banks can sign up on the JCB International
network through 1LINK, enabling them to issue JCB debit cards.

By being part of the global JCB network, member banks can offer their customers convenient,
efficient, and reliable payment products in tandem with the highest quality services. Connecting
with JCB on issuing and acquiring services through 1LINK will help our members open doors to
financial benefits as well as the privilege of instant local support for all their operational and
business queries.

The following services are currently available:

• ATM acquiring
• POS acquiring
• Card issuing