About Card Alliance

Card Alliance is part of the Korvac group of companies. We operate EPINS®, a PIN-based debit payment service in Singapore. Partnering Qualifying Full Banks1 (QFBs) in Singapore, Card Alliance enables holders of participating QFBs’ ATM or Debit Cards2 to make PIN-based debit payments through Electronic Funds Transfer at Point of Sale (EFTPOS) terminals.

The EPINS® direct debit payment service also expands the choices of payment methods available at merchants, offering consumers more payment options and added convenience.

1Refers to Citibank Singapore and Maybank Singapore.
2ATM or Debit Card refers to Singapore-issued Citibank ATM Card or Citibank Debit Card.
Singapore-issued Maybank ATM Card, Platinum Debit Card and Credit Card linked to a Savings or Current Account


About Korvac Holdings Pte Ltd

Established in 1999 in Singapore, Korvac Holdings Private Limited is the management and holding company of four separate groups of businesses. Headquartered in Singapore, Korvac Holdings also has offices in Malaysia and Thailand. The Korvac Group of companies are dedicated to providing Payment and Consumer Data Processing Services.


The Group's subsidiaries are:

PaymentLink Pte Ltd

The partner of the Land Transport Authority of Singapore and the exclusive partner of EZ-Link Pte Ltd for the provision of non-transit payment and loyalty services for concession and ez-link cards respectively.


Card Alliance Pte Ltd

Provides PIN-based debit payment services.


Consumer Cube Pte Ltd

A specialised consumer data analytics and targeted marketing firm.


Korvac Payment Services

Provides fully-managed merchant payment infrastructure services to bank clients.