Detailed Description

Merchant Cloud orchestrates a dynamic payment offering, connecting payment players with robust digital acceptance tools. It provides a single point of access for gateway connectivity, digital acceptance, and a suite of modular services to simplify integrations and support business growth.

Key Features

• Omnichannel payment acceptance
• Support for 35+ payment methods (global and local)
• 24/7 global support
• 240+ acquirer connections
• Gateway solutions for local transaction processing
• Agentic commerce for secure, personalized experiences
• AI-driven approval rate optimization
• Real-time security and fraud detection
• Digital solutions with tokenization
• Authentication solutions for frictionless user experience
• Modular, pre-integrated services
• Open, scalable network architecture

Key Benefits

• Unlock business growth and streamline operations
• Simplify integrations with a unified, open, and scalable network
• Access to 35+ global and local payment methods
• Omnichannel payments across all devices
• 24/7 expert support worldwide
• Seamless connection to 240+ global acquirer network
• Advanced AI fraud prevention and compliance support
• Faster transaction approvals and improved approval rates
• Secure, tokenized digital payments
• Frictionless authentication

Use Cases

• Expanding into new markets
• Streamlining payment operations
• Integrating payments into software platforms
• Combating fraud and ensuring compliance
• Optimizing transaction approval rates
• Providing seamless, secure consumer payment experiences

Documentation

Who Is It For

• Enterprise Merchants
• Payment Service Providers (PSPs)
• Independent Software Vendors (ISVs)
• Acquirers
• Marketplaces
• Developers

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Key Features

• Cybersecurity consulting services.
• E-commerce fraud prevention solutions.
• Chargeback tracking and dispute management.
• Identity verification and customer trust solutions.
• Scam protection and anti-money laundering services.
• AI and machine learning-powered risk decisioning tools.
• Real-time risk management for payment resiliency.

Key Benefits

• Prevents significant potential losses from fraud (e.g., $50 billion in potential losses prevented in past three years with Safety Net).
• Secures billions of tokenized transactions monthly.
• Assesses millions of risk events daily with cybersecurity and identity services.
• Improves chargeback protection and post-purchase experience.
• Provides a 360° view of customers for trusted digital interactions.
• Safeguards against scams and financial crimes, including anti-money laundering.
• Enables smarter, faster decisions with AI and machine learning-powered tools.
• Ensures payment processing continuity and resiliency.

Documentation

Who Is It For

• Businesses seeking to secure their digital commerce and payments.
• E-commerce merchants.
• Financial institutions.
• Organizations requiring fraud prevention and cybersecurity solutions.

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Supporting Resources

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Detailed Description

Mastercard's AI solutions use advanced artificial intelligence and data analytics to power secure, efficient, and personalized commerce. AI is embedded across Mastercard's products and services, supporting fraud prevention, portfolio management, marketing personalization, and operational improvements.

Key Features

• Decision Intelligence: AI-powered transaction risk monitoring for fraud prevention and real-time approvals.
• Dynamic Yield: Hyper-personalized consumer experiences using real-time recommendations.
• Open Finance: AI models trained on billions of transactions to generate consumer insights.
• AI & Advanced Analytics Consulting: Ethical AI consulting for sustainable revenue and growth.
• Mastercard Agent Pay: Agentic payments technology powered by AI.
• Global threat landscape monitoring and proactive security enhancements.
• Integration of Recorded Future for advanced cyber threat and financial crime intelligence.

Key Benefits

• Enhanced fraud detection and prevention, blocking billions of dollars in fraud annually.
• Real-time transaction risk monitoring and approval of genuine transactions.
• Hyper-personalized consumer experiences and marketing services.
• AI-driven insights for better portfolio management and revenue growth.
• Operational efficiency, cost savings, and employee upskilling through AI.
• Proactive security with generative AI doubling detection rates of compromised cards.

Use Cases

• Fraud detection and prevention in payment transactions
• Portfolio management and revenue optimization
• Personalized marketing and consumer experience
• Cybersecurity and threat intelligence
• Agentic payments and automation in commerce

Documentation

Who Is It For

• Financial institutions
• Retailers
• Merchants
• Businesses seeking fraud prevention and security
• Organizations looking for personalized marketing and consumer engagement
• Enterprises requiring advanced analytics and operational efficiency

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Detailed Description

A suite of solutions and services designed to help businesses acquire new customers, deepen engagement, and boost retention rates by delivering personalized, relevant, and compelling experiences across the customer lifecycle. Powered by Mastercard's data, technology, AI, and marketing expertise.

Key Features

• Full-funnel, data-driven marketing solutions
• Personalization AI for tailored digital experiences
• AI-powered loyalty program design and management
• Always-on direct marketing approach
• Campaigns and offers based on robust data insights
• Expertise in creative content and marketing strategy

Key Benefits

• Accelerate customer acquisition with relevant value propositions and personalized messaging
• Deepen consumer engagement by leveraging key lifecycle moments to educate, activate, and incent action
• Boost retention rates with targeted campaigns and personalized experiences
• Access to over 15 petabytes of proprietary data for actionable consumer insights
• Leverage AI-powered models to understand real-time opportunities and measure ROI
• Benefit from thousands of world-class marketers and subject matter experts
• Industry recognition as a leader in personalization engines (7-time Leader in Gartner Magic Quadrant)

Use Cases

• Launching new customer acquisition campaigns
• Personalizing digital experiences for individual customers
• Designing and managing loyalty programs
• Re-engaging and winning back lapsed customers
• Educating and activating customers at key lifecycle moments

Documentation

Who Is It For

• Financial institutions
• Retailers
• Airlines
• Telecommunications companies
• Enterprises seeking to improve customer acquisition, engagement, and retention

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Detailed Description

Mastercard Move is a global money movement solution that allows businesses and individuals to transfer money quickly, securely, and transparently across the world. It supports payments to people and businesses, as well as funding accounts, wallets, and cards.

Key Features

• Payments to people: Transfer money globally with speed and transparency
• Payments to businesses: Securely pay global suppliers efficiently
• Funding accounts, wallets, and cards: Load funds from card to digital wallet, card, account, or to fund a transfer
• Partner program: Access to a global community of trusted partners and innovators

Key Benefits

• Fast and transparent global money transfers
• Access to hard-to-reach markets
• Supports 95% of the world’s banked population
• Connectivity to ~10 billion endpoints (accounts, cards, wallets, cash pickup)
• Available in 200+ countries and territories
• Supports 150+ currencies

Documentation

Who Is It For

• Businesses seeking to pay global suppliers
• Financial institutions
• Individuals needing to transfer money internationally
• Partners and innovators in the payments ecosystem

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Supporting Resources

API Information

• HomeSend APIs for Third Party Providers are available

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Detailed Description

Consumer Payments by Mastercard provides a comprehensive suite of payment solutions that enable individuals to pay in the way that best suits them. The platform is designed to deliver seamless, secure, and innovative payment experiences, supporting a wide range of payment methods and technologies for consumers and merchants worldwide.

Key Features

• Trusted payment technologies for freedom of choice.
• Advanced security and control features for consumers.
• Personalized payment experiences using cutting-edge technologies.
• Account-to-account payments for fast, seamless transactions.
• Merchant Cloud for global payment enablement and single integration.
• AI Card Design Studio for rapid, innovative card design.
• Cardholder services to drive brand loyalty and meet everyday needs.
• Gateway & connectivity solutions for merchants.
• Global network and processing infrastructure for secure, anytime, anywhere payments.

Key Benefits

• Enables consumers to pay any way they want, with greater choice and flexibility.
• Provides robust security and controls for peace of mind with every payment.
• Delivers seamless, simple, and secure payment experiences.
• Supports global reach with over 150 million acceptance locations.
• Drives top-of-wallet behavior through digital and physical payment innovations.
• Boosts merchant sales and customer satisfaction with seamless payment acceptance solutions.

Documentation

Who Is It For

• Consumers seeking flexible, secure, and innovative payment options.
• Merchants aiming to offer seamless and safe payment experiences.
• Businesses looking for account-to-account payment solutions.
• Financial institutions and partners integrating payment technologies.

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Detailed Description

Mastercard Open Finance enables businesses and consumers to control and share their financial data securely, facilitating a wide range of digital finance experiences. The platform supports account-to-account payments, account opening, personal finance management, business cashflow optimization, and smarter lending, all through secure API connections.

Key Features

• API connectivity to 95% of U.S. deposit accounts, all Australian banks, and nearly 3,000 European banks
• Servicing over 15 billion API calls globally each year
• Account Owner Verification to reduce account opening fraud
• Deposit Switch for digital direct deposit switching without payroll forms
• Payment Success Indicator to reduce payment failures and fraud
• Bill Pay Switch for automatic payment method updates
• Data Enrichment for clean, enriched financial data across multiple account types
• Consumer Foresight for personalized experiences using permissioned data

Key Benefits

• Secure and simple account-to-account payments across financial ecosystems
• Seamless account opening with permissioned data for faster onboarding and funding
• Real-time visibility into transactions for better personal finance management
• Real-time insights for business cashflow management and payment reconciliation
• More accurate and inclusive credit scores for smarter lending decisions
• Enhanced customer engagement with enriched financial data
• Reduced payment failures and fraud

Use Cases

• {"cta":{"url":"https://www.mastercard.com/us/en/business/open-finance/use-cases/payments.html","text":"Learn more"},"title":"Payments","description":"Enable secure and simple account-to-account payments from any platform."}
• {"cta":{"url":"https://www.mastercard.com/us/en/business/open-finance/use-cases/account-opening.html","text":"Learn more"},"title":"Account Opening","description":"Deliver seamless account opening with permissioned data to verify identities, details, and balances."}
• {"cta":{"url":"https://www.mastercard.com/us/en/business/open-finance/use-cases/personal-financial-management.html","text":"Learn more"},"title":"Personal Financial Management","description":"Connect users to secure financial data for smarter personal finance management and real-time transaction visibility."}
• {"cta":{"url":"https://www.mastercard.com/us/en/business/open-finance/use-cases/small-business-solutions.html","text":"Learn more"},"title":"Small Business Solutions","description":"Provide real-time insights for cashflow management, payment reconciliation, and working capital optimization."}
• {"cta":{"url":"https://www.mastercard.com/us/en/business/open-finance/use-cases/lending.html","text":"Learn more"},"title":"Lending","description":"Increase approvals with more accurate and inclusive credit scores using consumer-permissioned data."}

Documentation

Who Is It For

• Financial institutions
• Fintechs
• Businesses seeking to offer digital financial services
• Consumers seeking to control and share their financial data
• Small businesses
• Lenders

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Detailed Description

Insights & Intelligence provides advanced analytics, business and market intelligence, consulting, and innovation services powered by Mastercard’s proprietary data and AI. It helps organizations contextualize performance, predict trends, optimize strategies, and manage credit risk.

Key Features

• Access to over 15 petabytes of aggregated and anonymized proprietary data.
• Insights from 159+ billion aggregated transactions.
• Global team of 3,000+ consultants.
• Business and market intelligence solutions.
• Advanced analytics and AI-driven insights.
• Business consulting services in data, analytics, card strategy, and operations.
• Digital Labs for innovation using digital technologies and design thinking.
• Credit risk management solutions.

Key Benefits

• Make informed decisions using aggregated and anonymized data.
• Accelerate innovation and improve business results with expert consulting.
• Contextualize performance and predict trends with business and market intelligence.
• Optimize strategies and operations using AI-powered analytics.
• Manage credit risk with precise, equitable, and responsive decisioning.

Use Cases

• Benchmarking and understanding market performance (e.g., TAO Group with SpendingPulse™).
• Informing e-commerce strategy with Test & Learn® insights (e.g., Checkers).
• Making informed business decisions with SpendingPulse™ (e.g., Hershey).
• Increasing transaction volume using Acquiring Optimizer (e.g., AIK Banka).
• Driving innovation partnerships (e.g., Virgin Money with Digital Labs).

Documentation

Who Is It For

• Businesses seeking to optimize performance and strategy.
• Organizations aiming to innovate with data-driven insights.
• Enterprises needing advanced analytics and consulting.
• Companies managing credit risk.
• Industries including financial institutions, retailers, and e-commerce.

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Detailed Description

Advisory Services from Mastercard (Finicity) offers end-to-end consulting and partnership for businesses seeking to transform and grow. The service combines domain expertise, advanced analytics, and global market intelligence to help clients make smarter decisions, manage risk, and adapt to changing business environments.

Key Features

• AI & advanced analytics consulting
• Consumer engagement & loyalty strategy
• Cyber & enterprise risk management
• Data & infrastructure optimization
• Economic advisory and forecasting
• Future tech and immersive experience design
• Payments strategy and implementation support
• Sustainability & financial inclusion consulting

Key Benefits

• Access to the world’s largest payments-focused advisory team
• Data-driven insights from billions of aggregated transactions
• Advanced technology capabilities including AI, AR, VR
• Expertise in global business strategy and market intelligence
• End-to-end partnership focused on client goals and profitability
• Support for business transformation and sustainable growth

How It Works

Documentation

Who Is It For

• Financial institutions
• Large corporations
• Small and medium enterprises
• Public sector organizations
• Fintech companies
• Acquirers and payment service providers
• Healthcare organizations

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Detailed Description

Commercial Payments provides a suite of payment solutions for businesses, including commercial cards, cross-border payments, blockchain, and account-to-account payments. The offering is designed to streamline purchasing, accounts payable and receivable, bill pay, travel, and more, empowering businesses with greater liquidity, cashflow, and efficiency.

Key Features

• Commercial cards
• Cross-border payments
• Blockchain payment solutions
• Account-to-account payments
• Spending controls
• Productivity tools
• Omni-channel payment acceptance

Key Benefits

• Faster, more secure business payments
• End-to-end, scalable solutions
• Empower SMEs with secure payments, spending controls, and productivity tools
• Omni-channel acceptance (online, in-person, mobile)
• Unlock faster, convenient, more secure account-to-account payments
• Greater liquidity, cashflow, and efficiency

Documentation

Who Is It For

• Small and medium enterprises (SMEs)
• Large corporations
• Businesses seeking to embrace the digital economy
• Businesses requiring scalable, secure, and innovative payment solutions

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