Website : https://developer.mastercard.com/product/automatic-billing-updater-abu ; Regarding Automatic Billing Updater. Automatic Billing Updater (ABU) is a web service that provides access to updated account credentials (cards). This can be leveraged by Merchant/Acquirers/Payment Service Providers to ensure that they always have their customers’ most up to date card credentials on file; the main benefit being a big reduction in declines for recurring and card-on-file payments. This service can be used in two different ways, either pulling updates or having updates pushed to an endpoint on the Merchant/Acquirers/Payment Service Provider’s system for account numbers that they are watching.

Pull model
To receive updated information for a given account, the merchant sends an account inquiry request and will receive a response with the most up to date information for the card that they have inquired upon.

Push model
Merchant/Acquirers/PSPs can choose to automatically receive account

request and will receive a response with the most up to date information for the card that they have inquired upon.

Push model
Merchant/Acquirers/PSPs can choose to automatically receive account update notifications for cards they have stored on their systems. To do this, the Merchant/Acquirers/PSPs must create an account subscription. Notifications will then be sent to a designated endpoint as account updates are received from issuing banks.

See the product page for marketing and case study details.

CopiedHow It Works
ABU maintains a single global data repository for card account numbers. Registered users can subscribe to a card to receive future updates or request updates ad-hoc for a specific card. In order to receive notifications, a card must be subscribed to a PAN (Primary Account Number) Watchlist as shown below.
Website : https://developer.mastercard.com/product/bill-pay . Regarding Mastercard Bill Pay. Mastercard Bill Pay takes the hassle out of bill payments, which forges

Number) Watchlist as shown below.
Website : https://developer.mastercard.com/product/bill-pay . Regarding Mastercard Bill Pay. Mastercard Bill Pay takes the hassle out of bill payments, which forges the missing link between bill presentment and payment. It has got the following benefits : It quickly enables a transparent and intuitive bill payment experience for all parties involved in the billing lifecycle. Through Mastercard Bill Pay you are able to take advantage of Creditor Linking, Presentment, and Payment.
It also provides Transparency with Improve visibility of payment status, enabling better liquidity management, Efficiency by fixing the broken link between bill presentment and payment, leading to improved payment performance, and more control which leads to a gain of a deeper insight into your customer payment behavior, leading to better customer loyalty. The current bill presentment and payment experience is disjointed and difficult to manage for payers. This landscape

insight into your customer payment behavior, leading to better customer loyalty. The current bill presentment and payment experience is disjointed and difficult to manage for payers. This landscape negatively affects payers’ bill payment experiences. Mastercard Bill Pay allows payers to view, manage and pay household and other personal bills within their financial institution’s banking app. Mastercard Bill Pay product consists of Mastercard Bill Pay Messaging and Creditor Onboarding services.
Mastercard Bill Pay Messaging performs the following services:
Registers the Creditor Service Provider, Creditor, and Payer Institution to Mastercard Bill Pay.
Facilitates the flow of messages in real-time APIs.
Generates end-of-day XML reports for Debtor Service Provider and Creditor Service Provider
Creditor Onboarding maintains the profile of Creditors, Creditor Service Providers (CSPs), and Payer Institutions who are sending and accepting transactions using the Mastercard Bill Pay network.

Onboarding maintains the profile of Creditors, Creditor Service Providers (CSPs), and Payer Institutions who are sending and accepting transactions using the Mastercard Bill Pay network.                Mastercard Bill Pay is for several players such as creditors and creditor service providers to which it offers a simple payment experience with reduced customer queries and complaints, for creditors’ financial institutions allowing them to win competitive differentiation through a broader suite of services, improve loyalty and retention among customers, and for debtors’ service providers to which it enables bill payment capabilities within their banking app to grow usage, allowing them to compete on customer experience to increase loyalty and retention.
Website : https://developer.mastercard.com/product/bill-payment-validator. Regarding Mastercards' Bill Payment Validator. Mastercards' Bill Payment Validator  This service is provided on behalf of the Mastercard Remote Payment and

Regarding Mastercards' Bill Payment Validator. Mastercards' Bill Payment Validator  This service is provided on behalf of the Mastercard Remote Payment and Presentment (RPPS) Bill Payment Processing Network, which supports consumer to business “push” bill payments (i.e. those which are not funded by debit/credit card transactions) in the U.S.
This service allows RPPS Originators to request RPPS bill payment transaction validation prior to transmitting the corresponding RPPS payment (financial) transaction, it also responds indicating if the payment transaction information passes/fails the specified Biller ID’s RPPS payment processing edits (e.g. account masking, account check digits, payment amount limits, etc.).
The service is an extension of RPPS payment processing but does not replace RPPS batch/file-based transaction processing.
Access is restricted to RPPS Originators who send consumer bill payments (e.g. Banks, Financial Institutions, FinTech Providers and Walk-In Payment

RPPS batch/file-based transaction processing.
Access is restricted to RPPS Originators who send consumer bill payments (e.g. Banks, Financial Institutions, FinTech Providers and Walk-In Payment Providers etc.) to the RPPS network. It works in 4 steps :  Step 1 -  Consumer initiates bill payment instructions with bank, financial institution, fintech provider, or walk-in payment provider (the RPPS Originator). Step 2 - RPPS Originator submits Bill Payment Validator request containing consumer’s bill payment transaction information. Step 3 - Mastercard RPPS generates Bill Payment Validator response indicating if the payment information passes/fails RPPS transaction for the specified Biller ID. Step 4- RPPS Originator takes action based on the Bill Payment Validator response.
Website : https://developer.mastercard.com/product/biometric-authentication-service/ . Regarding Mastercards' Biometric Authentication Service. Mastercards' Biometric Authentication Service is a Fast Identity Online

. Regarding Mastercards' Biometric Authentication Service. Mastercards' Biometric Authentication Service is a Fast Identity Online (FIDO) certified passwordless authentication solution that allows users to verify their identity using biometrics. It has 4 major benefits : 1 - It is convenient as it leverages device biometrics on mobile and web to verify identity, as an alternative to a static password or one-time passcode . 2 - It is secure because it uses ulti-factor authentication based on FIDO UAF and FIDO2+, and WebauthN standards; PSD2 and GDPR compliance ready​. 3 - It optimizes customer experience by reducing friction while ensuring security from log in to payment authentication. 4 - It contains advanced features and innovation including device management, risk signals, transaction confirmation, and more​. Mastercards' Biometric Authentication Service works in the following steps :  1. Cardholder sees sign-in options
2. Biometrics captured
3. Biometrics verified
4. Cardholder

confirmation, and more​. Mastercards' Biometric Authentication Service works in the following steps :  1. Cardholder sees sign-in options
4. Cardholder authenticated.
Users should use Mastercards' Biomentric Authentication Service because over 90% of users believe biometrics are more secure and convenient than passwords,
74% of consumers chose physical biometrics as their preferred security method, by 2027 Biometrics are predicted to secure digital payment transactions up to $3.5 and 65% of users abandon carts due to friction. 
Website : https://developer.mastercard.com/product/business-payment-controls. Regarding Mastercards' Business Payment Controls. Business Payment Controls is an application programming interface (API) based solution that simplifies business payments by using configurable controls to limit spending on real and virtual cards, while allowing finance teams to reconcile payments using transaction-level reporting.
Using

simplifies business payments by using configurable controls to limit spending on real and virtual cards, while allowing finance teams to reconcile payments using transaction-level reporting.
Using Business Payment Controls, you can:
Register real cards and create an associated funding source for each real card that allows you to set your service preferences for that funding source (for example, if using real card controls, allowing virtual cards to be generated with controls or both),apply and manage controls on a real card, request and manage virtual cards with controls and finally generate transaction-level reports. To use the Business Payment Controls API to manage real cards and issue and manage virtual cards, you must be one of the following: - An Issuer of Mastercard Commercial credit cards. -A corporate customer of such an Issuer. -A payment agent acting on behalf of the Issuer or its corporate customers.
Once enrolled, you will register a real card and create a funding source

cards. -A corporate customer of such an Issuer. -A payment agent acting on behalf of the Issuer or its corporate customers.
Once enrolled, you will register a real card and create a funding source linked to the real card. From here, you can add controls to the real card or request virtual cards with controls applied.
Before using the Business Payment Control API, you must be a registered user of Mastercard Commercial Products.
Carbon Calculator is a tool that enables the user to understand how cardholder spending behavior impacts carbon emissions. This tool enables you to calculate your historical footprint by reviewing the carbon impact of past spending, as well as send Near-Real Time Notifications so you can monitor the real-time impact on the environment as transactions are made. Another functionality of this tool is the Multi-currency Support which 
calculates carbon emissions for transactions made in any major currency. This API works in the following way: 1) The cardholder views

functionality of this tool is the Multi-currency Support which 
calculates carbon emissions for transactions made in any major currency. This API works in the following way: 1) The cardholder views the carbon score on the app/website; 2) the Issuer shows the carbon score details to the cardholder as per spending; 3) Mastercard calculates the carbon and social cost impact of the transactions. Some use cases of this app are:  View Carbon Impact - Create apps to let cardholders view their historical carbon impact., Motivate Positive Behavior - Encourage cardholders by setting footprint goals and utilizing the service to track progress and  Present Actionable Way to Offset Footprint - Offer options for cardholders to donate as means of compensating for carbon impat.There are some reason to use this API: Mastercard research across multiple markets confirms strong cardholder demand for payment solutions that address sustainability. Putting this information in numbers 70% of companies have

this API: Mastercard research across multiple markets confirms strong cardholder demand for payment solutions that address sustainability. Putting this information in numbers 70% of companies have integrated sustainability into their core missions to change cardholder purchasing habits to reduce environmental impact; 81% of global companies say sustainability is more important to their business today than it was 5 years ago; 85% believe that it will be even more important in the next 5 years. You can find more information about Carbon Calculator in https://developer.mastercard.com/product/carbon-calculator/
Carbon Calculator Experience enables to visualize the carbon footprint and easily donate to offset it. Donations go to Conservation International which is working with Mastercard to plant a hundred million trees by 2025. This API enables to achieve Sustainability through Informed Spending and Donations such as: Prebuilt User Interface- Deploy prebuilt user interface in Issuer apps

a hundred million trees by 2025. This API enables to achieve Sustainability through Informed Spending and Donations such as: Prebuilt User Interface- Deploy prebuilt user interface in Issuer apps by loading uniquely generated URL in the WebView. The interface is available in English, Spanish, Swedish, and Polish language.; Calculate Carbon Footprint- Calculate carbon emissions using cleared and authorized transactions data in major currencies; Carbon Offset Donations- Make donations to offset the carbon emitted through a prebuilt user interface. This works in the following way: 1) Issuers onboard to a carbon calculator experience, 2) Mastercard calculates carbon emissions using cleared and authorized transactions data, 3) Consumers track carbon emissions based on transactions and make donations in the Web View. The use cases for this API are: Business to Consumer Carbon Visualization - Deploy Apps using pre-built UI to help consumers visualize their carbon impact shortly after

donations in the Web View. The use cases for this API are: Business to Consumer Carbon Visualization - Deploy Apps using pre-built UI to help consumers visualize their carbon impact shortly after purchase and over historical periods; Business to Consumer Donation Offset  - Utilize the pre-built UI in your App to encourage consumers to make donations that offset their carbon footprint; Business to Consumer Informational Content - Displays research and informational content on Carbon Measurement and actions to consumers. There are some reason to use this API: Mastercard research across multiple markets confirms strong cardholder demand for payment solutions that address sustainability. Putting this information in numbers 70% of companies have integrated sustainability into their core missions to change cardholder purchasing habits to reduce environmental impact; 81% of global companies say sustainability is more important to their business today than it was 5 years ago; 85% believe that

to change cardholder purchasing habits to reduce environmental impact; 81% of global companies say sustainability is more important to their business today than it was 5 years ago; 85% believe that it will be even more important in the next 5 years. You can find more information about Carbon Calculator Experience in https://developer.mastercard.com/product/carbon-calculator-experience/
Card on File Tokenization is a Network tokenization solution that replaces Primary Account Numbers with a token value to provide fast, secure, and convenient checkout experiences. This solution replaces account PANs with tokens to ensure better approval rates, optimized user experiences, robust security features and more. The key benefits of this solution are: Security - Customer payment information is secure as it passes between entities, increasing trust, building loyalty and reducing the likelihood of fraud; Convenience - Enhanced features simplify processes such as provisioning and card lifecycle

as it passes between entities, increasing trust, building loyalty and reducing the likelihood of fraud; Convenience - Enhanced features simplify processes such as provisioning and card lifecycle management events, limiting frustrations associated with manual card entries and false declines and Control - Access to secure credentials across all touch points of the payment journey allows you to provide easier, faster checkouts in-app or at a contactless POS. To "work" with this solution the costumer should follow the next steps: Consumer provides the PAN data to merchant/PSP/ Commerce, that will pass the PAN data to Secure Card on File, that will request a tokenization from issuer. After  issuer approve the token authorization will sent it to Secure Card on File and  generate a token for Account PAN and return to the consumer. Good reasons to use it are: 83% use card-on-file (COF)1, and 43% believe that the retailer is the primary party responsible for protecting the information; 1 in 3

PAN and return to the consumer. Good reasons to use it are: 83% use card-on-file (COF)1, and 43% believe that the retailer is the primary party responsible for protecting the information; 1 in 3 has been a victim of data breaches, identity theft or credit card fraud; 81% say they are at least somewhat concerned about the security of their saved cards.There are some use cases for this API, such as: Card Enrollment - Tokenize account PANs entered by the consumer, held on file, or retrieved from Click to Pay (subject to consumer participation) to secure future payments; Manage Tokens - Keep your consumers’ payment information up-to-date with issuer life cycle management notifications received through Card on File; Making Payments -Retrieve tokenized account details to submit for one-time or recurring payments authorization; Authentication -Use Mastercard offered authentication frameworks to authenticate a transaction. You can find more information about Card on File Tokenization in

or recurring payments authorization; Authentication -Use Mastercard offered authentication frameworks to authenticate a transaction. You can find more information about Card on File Tokenization in https://developer.mastercard.com/product/card-on-file-tokenization/
Click to Pay was developed by Mastercard and built upon global payment industry standards, Click to Pay delivers an enhanced online checkout experience with the security, convenience, and control consumers enjoy in the physical world. Easy integration makes it simple to offer features that keep consumers happy — now and in the future. The key benefits of this solution are Enhanced Security -Decreased fraud with robust security features such as bot detection, tokenization, device spoofing prevention and data encryption; Easy Integration - Enables payment service providers and merchants of all sizes to quickly set up a single integration with flexible components and simple updates. Conversion -With intelligent recognition,

- Enables payment service providers and merchants of all sizes to quickly set up a single integration with flexible components and simple updates. Conversion -With intelligent recognition, consumers can quickly access their preferred cards and saved details, reducing cart abandonment, a seamless addition to your existing checkout to help capture more sales and this be a Standardized solution -Using network interoperability, it allows for convenient, protected payments with Mastercard, Visa, American Express and Discover cards. Good reasons to use it are: 93% conversion rate for returning users on a trusted device; 23 countries where Click to Pay is available - with more to come; 70M+ registered credit cards and counting. Some use cases for this solution are: Being Recognized by an email address or mobile phone lookup -We can recognize an enrolled consumer by their email address or mobile number early in their shopping experience – offering them a faster way to pay in just a few

address or mobile phone lookup -We can recognize an enrolled consumer by their email address or mobile number early in their shopping experience – offering them a faster way to pay in just a few clicks; Using Click to Pay for the first time and enrolling during checkout -t’s quick and easy to enroll a Mastercard in Click to Pay during a checkout. Consumers can create a Click to Pay profile as part of their payment experience; Provisioning to Click to Pay from Issuer’s website - Cardholders can enroll in Mastercard Click to Pay via Push Provisioning within their issuer’s banking application or website in just a few clicks. You can find more information about Click to Pay  in https://developer.mastercard.com/product/click-to-pay/
In Control® Commercial Event Notifications receives near real-time payment alerts enabling accurate completion and reconciliation of commercial payments. The key features of his solution are: Event-Driven: Push-based, near real-time notifications eliminate the

payment alerts enabling accurate completion and reconciliation of commercial payments. The key features of his solution are: Event-Driven: Push-based, near real-time notifications eliminate the need to continually request reports of authorizations; Essential Transaction Information - Notifications contain the essential details of the virtual card payment authorizations, including billing amount and merchant information; Configurable - You can configure the events for which you wish to receive notifications and update those details any time. The Commercial Event Notifications service is available to issuers, companies and agents who create Virtual Card Numbers (VCNs) using In Control for Commercial Payments (ICCP) and use those VCNs to make business payments. A VCN is a credit card that is generated dynamically based on a real card, and used to make a business payment or series of payments. The service works by monitoring VCN authorization messages and generating notifications when

is generated dynamically based on a real card, and used to make a business payment or series of payments. The service works by monitoring VCN authorization messages and generating notifications when messages match the criteria set by subscribers. The Commercial Event Notifications service allows you to subscribe to and receive notifications when virtual card numbers are presented for payment. You can then take the appropriate follow up action in accordance with your business processes. Follow these steps to take advantage of near real-time payment information for your business: Subscribe to notifications with an API call that specifies the criteria you are interested in; Receive notifications that Mastercard pushes to you at a URL that you specify; Manage your subscriptions by calling the API to make the subscription active or inactive, change the notification criteria or cancel the subscription; Request a list of past notifications for a limited time period if you have missed them,

API to make the subscription active or inactive, change the notification criteria or cancel the subscription; Request a list of past notifications for a limited time period if you have missed them, by calling the API and specifying a date/time range. The main advantages of use it are: Speed - Payment details are available to you as soon as the transaction takes place, allowing you to take rapid follow-on action;  Efficiency - Receiving push notifications is much more efficient for your system than repeatedly generating and processing reports to check if authorizations have taken place; Rich information - Additional authorization information is available, including the issuer response code and authorization code and Flexibility - You can specify the criteria for which authorizations are notified. For example, you can receive notifications for all authorizations or only for declines. You can find more information about Event Notifications in:

the criteria for which authorizations are notified. For example, you can receive notifications for all authorizations or only for declines. You can find more information about Event Notifications in: https://developer.mastercard.com/product/commercial-event-notifications/

Mastercard Contactless Reader SDK
Turn any off-the-shelf eligible NFC-enabled device, into an acceptance device

Benefits
Configure APIs and perform transactions
Complete Implementation of EMV Kernel C2 which provides APIs to configure and perform EMV transactions
Optimizes development and certification efforts
Provides complete functional testing for EMV Level 2 functional tests
Flexibility for UI/UX
Free to build and design the UI and UX proprietary solution
Accepts Mastercard Contactless Payments
Accepts payments from contactless enabled cards, devices and mobile wallets

Why Use It
The Contactless Reader SDK (SDK) is a plug and use code component that supports application developers in the creation of Mobile

from contactless enabled cards, devices and mobile wallets

Why Use It
The Contactless Reader SDK (SDK) is a plug and use code component that supports application developers in the creation of Mobile Point of Sale (MPOS) terminal solutions that accept Mastercard Contactless payments.

Used By
Contactless Reader SDK is available to registered users and only supports Mastercard contactless payments (EMV Kernel C2). If you are an existing Tap on Phone SDK user, please register for Mastercard Developers using the email address previously used and request to access the SDK.

Regions
Global

Pricing
No cost

https://developer.mastercard.com/product/tap-on-phone-terminal-sdk
Mastercard Cross-Border Services
Enabling people and businesses to send and receive money internationally securely and with certainty, through a single connection. For any purpose; to any end point, one connection to reach the world.

Benefits
Certainty and Predictability
Delivers a more predictable cross-border fund

with certainty, through a single connection. For any purpose; to any end point, one connection to reach the world.

Benefits
Delivers a more predictable cross-border fund transfer experience by providing people and businesses clarity and confidence with upfront visibility into all fees and expected delivery times.
Single Connection
Enables access to billions of bank and digital accounts, cards and cash-out locations in over 100 countries through a single, secure connection.
Greater Optimization & Less Risk
Allows banks to optimize their global payment strategies and processes resulting in reduced risk, and the ability to compete more effectively on customer proposition and experience.

How It Works
The Cross-Border Service APIs enable financial institutions and partners to build flexible solutions that support many different funds transfer and payment types via a single connection to Mastercard. For these transfers, an Originating Institution (such as an

partners to build flexible solutions that support many different funds transfer and payment types via a single connection to Mastercard. For these transfers, an Originating Institution (such as an Acquirer or Issuer) acts on behalf of the Sender to send funds to a Receiving System, which holds the Recipient’s account. Depending on the type of transfer, Senders and Recipients may include consumers, businesses, non-profit organizations, mobile money agents and cash out locations.

Use Cases
Cross-Border Servces is use-case agnostic and well suited for low-value, high-volume payments.
Person to Person(P2P) - Transfers between individuals
Enable individuals to transfer funds to another person, for example: * sending money to family abroad * contributing to a friend’s wedding gift * transferring funds to personal savings
Person to Business(P2B)-Transfers to businesses
Help individuals to transfer funds to businesses, for example: paying the utility bills paying education fees
Business to

funds to personal savings
Business to Person(B2P)- Disbursements from business to individuals
Empower businesses of all size to disburse funds to individuals, for example: paying staff wages sending insurance claim payments humanitarian aid payments paying freelancers or marketplace sellers
Business to Business(B2B)- Transfers between institutions
Provide a way for the institutions (businesses, organizations or other entities) to send payments to other institutions, for example: paying suppliers for delivery of goods

Why Use It
Mastercard Cross-Border Services enables banks to protect and grow their share of the growing cross-border payments market*
$136T
in Cross-border payments Flow
$230B
in Cross-border payments revenue
6%
of Anticipated growth in 2018-2023

How Our Partners Use Mastercard Cross-Border Services
Bank of

payments market*
$136T
$230B
6%

Bank of Shanghai is working with Mastercard Cross-Border Services to offer people and businesses a more predictable and more certain way to pay and get paid across borders. With Mastercard Cross-Border Services, business customers will be able to transfer money to any local bank in China, reduce the cost of transactions, and access real-time exchange rates for the Chinese Yuan, all with a reduced need for additional documents and process.

https://developer.mastercard.com/product/cross-border-services
Mastercard Donate
Ensures a seamless and safe way for all cardholders to integrate giving into their daily activities

Key Features
Round Up Donations
Send small amounts to charities with every purchase.
Micro-donations
One Time Donations
Generate cause

activities

Generate cause marketing campaigns to generate donations.
Monthly Donations
Automatically donate a fixed amount every month.

Cardholders use issuers’ site or app to select and donate to the causes they care about the most.
The cardholder selects the cause they care the most about
The cardholder then chooses the type of donation and the amount they wish to donate
The cardholder selects the payment card they want to use to make the donations
Mastercard Donate sends the donation to the selected charity

Why Use It
People want to feel that they have the power to create the positive change they want and demand that brands have an impact on the world.
McCann Truth Central “Truth About Global Brands” 2018
87%
of consumers believe that brands must stand for what consumers believe in
80%
of

want and demand that brands have an impact on the world.
87%
80%
of consumers state that a brand’s actions impact consumers’ purchasing decision
84%
of millennials consider it their duty to make the world a better place
CopiedUse Cases
Boost Loyalty
Helps retain customers and attract new ones, especially millennials.
Many Causes to Sponsor
Issuers can choose their preferred charities or support charities linked to Health, Education and the Environment
Social Impact
Provides a tool for Corporate Social Responsibility.

https://developer.mastercard.com/product/mastercard-donate
Mastercard Integrated Processing - Issuing
Digital First enabled card processing platform to deliver a secure and seamless customer experience for prepaid, debit, and credit products

Key Benefits
Access new and evolving technologies through a single partnership across network and

to deliver a secure and seamless customer experience for prepaid, debit, and credit products

Access new and evolving technologies through a single partnership across network and processor, with a single vendor for end-to-end execution
Best-in-class processing
Offers an integrated omnichannel and multi-product (Prepaid, Debit and Credit) payment processor with an agile, modular CMS setup to help meet diverse use cases.
Digital First
Capitalise on the trend towards digital banking, with instant virtual card issuance, digital onboarding, push provisioning to wallets, QR payment, MDES, and more.
Expand your business
Expand your reach to new markets with our global offering and market expertise including pan-regional programs.
Agile and secure
Accelerate onboarding with streamlined integration between network and processor, with data hosted in Mastercard’s highly secure data centre.
Pre-integrated services
Access Mastercard and our partners’ state-of-the-art features and

integration between network and processor, with data hosted in Mastercard’s highly secure data centre.
Access Mastercard and our partners’ state-of-the-art features and innovative value-add services through a single integration.

Our services
ISSUERS, OTHER DEVELOPERS, FINTECHS
Card Issuance
Instantly issue physical or digital primary, add-on, and supplementary prepaid or debit cards from anywhere, anytime
Learn more • Documentation
Card Management
Service that provides seamless experience to the customer for handling card profile activities
Card Controls
Manage and control all card activities seamlessly
Authorization Management
A safe and secure solution to handle all PIN-related activities for cards
Transaction Management
Rendering secure

Management
Rendering secure services for all card transaction activities
Coming soon…

https://developer.mastercard.com/product/mi-issuing
Mastercard Loyalty Management
Mastercard Loyalty Management services provide valuable functions for your end-to-end rewards program.
CopiedBenefits
Deliver a convenient, secure, and real-time way to incorporate consumer-level changes into a rewards program.
Deliver in real time
Incorporate real-time services to add, update, or request consumer-level details such as point balance or profile details.
Increase efficiency
Reduce the amount of time and costs associated with sending account updates to multiple systems.
Facilitate digital enablement
Enhance the consumer experience across any digital touchpoint using our APIs.

We offer various services to complete the end-to-end rewards experience.

multiple systems.

We offer various services to complete the end-to-end rewards experience. Below are a few examples to highlight the flexibility of each service:
Point balance display
A real-time display of the consumer’s point balance, our most commonly used service; expiration of points, if applicable.
Point adjustments
Request point adjustments to service consumers, especially for satisfaction purposes in a customer servicing scenario.
Enroll consumers
Initiate a request to enroll a consumer or make changes to their profile details.
Lost or stolen card
Allows a rewards program to request a replacement card if a consumer has a lost or stolen card.
Transaction details
Initiate a request for account-level transaction details such as points earned or the accumulated transaction data to build a page such as a rewards summary.

Points Activity Service
Receive

a request for account-level transaction details such as points earned or the accumulated transaction data to build a page such as a rewards summary.

Receive real-time updates related to a consumer’s point activity details.
Learn more
Traditional Fulfillment Service
Enable or retrieve catalog redemptions for a rewards program.
Learn more
Transactions Service
Access to account level transaction data such as points earned details or accumulated transaction data.
Learn more
User Account Management
Provide and retrieve real-time updates for a user account’s points activity details.

https://developer.mastercard.com/product/mastercard-loyalty-management
Drive consumer engagement with customizable promotions delivered through your digital touchpoints to the right customers at the right time

Benefits
Drive usage and engagement by deploying customized promotions seamlessly across digital touchpoints such as mobile apps, websites, or email campaigns
Quick

customers at the right time

Benefits
Quick to Market - Configure, test and deploy promotions within a week
Customizable - Optimize campaigns and target behaviors using a multitude of filters and rule configurations
Digital Enablement - Enhance the customer experience across any digital touchpoint using our APIs

Mastercard works with the issuer to establish campaign design(s) and configurations.
It Leverages the Promotions Digital Enablement API to retrieve promotion information on a program or customer level.
It Leverages existing enrollments or let Mastercard auto-enroll seamlessly
it Gives the customers control and flexibility of opting in and out of promotions using the Promotions Digital Enablement API
Mastercard Loyalty Promotions automatically filters, scores and rewards your targeted customers
It allows to track

of opting in and out of promotions using the Promotions Digital Enablement API
It allows to track your customers’ progress and engage then with relevant messaging using our Promotions Digital Enablement API

Use Cases
Digital Rewards - Enroll cardholders into promotions directly from your mobile banking app or upon digital card activation
Spend & Get - Target and reward cardholders based on their purchase behaviors and transaction type
Merchant Partnership - Seamlessly reward recurring spend made to specific partner merchants
Website: https://developer.mastercard.com/product/mastercard-loyalty-promotions

Consumers can easily redeem their rewards points by paying with Mastercard

Simple- Pay with Rewards provides flexibility and simplicity that benefit you and your cardholders
Adaptable - Leverage the Mastercard Pay with Rewards app or create your own digital

Features
Adaptable - Leverage the Mastercard Pay with Rewards app or create your own digital experience
Customizable - Determine redemption rules, set point conversion rates, and run promotions

Cardholder turns Pay with Rewards on for all purchases or one purchase
Cardholder makes a purchase with the registered card and Mastercard network processes the transaction
Pay with Rewards validates the transaction’s eligibility for point redemption
Pay with Rewards redeems points and submits a rebate in real time

Why Use It
The redemption experience is the key to engagement and spending
3X More spend than non-redeemers
72% Higher average revenue per card*
55% Higher average balance

Additional Capabilities
Program rules - Set redemption thresholds, merchant categories, and points value
Promotions - Engage consumers with special redemption offers
Post-purchase - Redeem points for

Capabilities
Post-purchase - Redeem points for past transactions

Website: https://developer.mastercard.com/product/mastercard-pay-with-rewards
Open, scan, confirm, collect — Make fast, secure mobile payments by scanning QR codes

Benefits
Mastercard QR is a mobile payment solution that enables consumers to make fast, secure payments to merchants for goods and services by scanning QR codes or inputting aliases.	
Fast - Merchants can be credited with funds in real time
Convenient - Merchants can receive Mastercard payments without a payment terminal
Secure - Sensitive information isn’t shared with merchants

Consumers can make cashless payments from their mobile phones by simply scanning a Mastercard QR Code or manually inputting an alias provided by any accepting merchant. This payment method has the convenience of cash and the

payments from their mobile phones by simply scanning a Mastercard QR Code or manually inputting an alias provided by any accepting merchant. This payment method has the convenience of cash and the security of a card payment, without needing a card payment terminal.
Mastercard Merchant Presented QR - Mastercard Merchant Presented QR (MPQR) is a Mastercard QR program that enables consumers to pay merchants by scanning their Mastercard QR codes or using manual entry aliases. The MPQR device SDKs and server APIs enable acquiring merchant banks, issuing consumer banks and wallet providers to provide this payment solution:
Merchant banks (known as Receiving Institutions) can generate Mastercard QR codes for their merchants, for presenting to consumers.
Consumer banks (known as Originating Institutions) and wallet providers (known as Transaction Originators) can add Mastercard QR-scanning functionality to their payment apps, enabling consumers to initiate payment requests when they scan

and wallet providers (known as Transaction Originators) can add Mastercard QR-scanning functionality to their payment apps, enabling consumers to initiate payment requests when they scan merchants’ QR codes.
The MPQR services can also enable secure payments in markets or environments where internet connectivity or device technology is limited, for example payments from feature phones using manual entry aliases via Unstructured Supplementary Service Data (USSD).

Additional Services
1. The Directory Services enable Receiving Institutions to register their merchants’ information and account information securely with Mastercard and associate aliases and identifiers with the merchants/accounts for use in MPQR payments. When consumers initiate MPQR payments, the Originating Institutions can use the aliases/identifiers either:

To retrieve the merchant information from Mastercard, then use that information in their payment requests
Directly in their payment requests; Mastercard will

can use the aliases/identifiers either:

Directly in their payment requests; Mastercard will retrieve the merchant information when processing the requests

2. The Currency Conversion Calculator provides Originating Institutions access to daily currency conversion rates for cross-border MPQR payments. This enables Originating Institutions to instantly look up currency conversion rates from transaction currency to Originating Institution reconciliation currency, helping them determine the funds needed to reconcile with Mastercard.
Learn more about this service
* Additional fees may apply for using some of these services.
NOTE: Mastercard does not transmit funds. All Mastercard QR and Mastercard Network funds are transmitted by a licensed Financial Institution for which Mastercard provides data processing services.

Why Use It
1 Billion - consumers will use a mobile app to pay

Mastercard Network funds are transmitted by a licensed Financial Institution for which Mastercard provides data processing services.

Why Use It
1 Billion - consumers will use a mobile app to pay in-store at least once every six months in 2020
90% of businesses are small and medium-sized merchants
40% of which are financially underserved

Use Cases
Instore  - A fast and simple payment method that provides customers with an optimal in-store experience
Quick Service Restaurants - A fast payment solution in an environment synonymous with quick service
Cinemas - Frequented by young consumers, Mastercard QR provides a payment method that resonates with this target market
Payment on Delivery - A digital payment alternative for Cash on Delivery payments and tips
Transit - Public transportation operators and taxi drivers can accept digital payments from on-the-go customers
Bill Payment - Utility and service providers can settle invoices quickly and conveniently
Online - Retailer’s webpage

operators and taxi drivers can accept digital payments from on-the-go customers
Online - Retailer’s webpage features a QR code and is scanned by consumers using a phone

Website: https://developer.mastercard.com/product/mastercard-qr
Boost consumer engagement and spend by offering a variety of market-leading digital redemption options through a single connection

Benefits
Consumers can instantly redeem points almost anywhere, including at preferred merchants.	
Immediate - Incorporates immediate redemption options to boost program engagement and spend activity
Ultimate choice - Enables points spend like cashback anywhere Mastercard is accepted or integrated with select merchants into the consumer’s regular shopping experience
Flexible - Provides redemption options that work online, in-store, and while traveling without any pre-planning, an extra card to carry around, or blackout dates

Deliver

regular shopping experience

Deliver market-competitive and instant redemption options
Mastercard Redemption Services provides flexible redemption options to meet consumer needs. 

Mastercard Pay with Rewards - Allows a consumer to digitally redeem rewards at point-of-sale
Mastercard Digital Redemptions - Allows a consumer to redeem points directly on the merchant’s website
Traditional Fulfillment Service - Allows a consumer to use their points balance to checkout directly from the customer’s website 

Website: https://developer.mastercard.com/product/mastercard-redemption-services
Enabling everyday commerce through fast, convenient and secure payment transfers

Benefits
The Mastercard Send platform and services enable secure, near real-time payment transfers to and from billions of card, bank and digital accounts globally.

and secure payment transfers

Benefits
The Mastercard Send platform and services enable secure, near real-time payment transfers to and from billions of card, bank and digital accounts globally. Program Participants (banks, businesses, digital players and more) can modernize the way they send money, domestically and cross-border, making funds available to recipients almost instantly*. Mastercard Send is proven to increase user spend and engagement, strengthening core business performance.
Speed - Makes funds available to recipients typically within seconds* with 24/7/365 access
Efficiency - Enables reach to multiple networks and markets for a streamlined service and lower operational costs, through one connection
Reach - Supports payments to debit, credit and prepaid cards**, as well as bank and digital accounts
Security - Provides best-in-class security tools and capabilities for managing regulatory, financial and fraud risk
Lift - Increases transaction revenue for card

as well as bank and digital accounts
Lift - Increases transaction revenue for card issuers

Mastercard Send Services
Funding and Payment Services for TRANSACTION INITIATOR / ORIGINATING INSTITUTION
Mastercard Send Person-to-Person - Enables quick, safe and secure funds transfers, domestically and cross-border
Mastercard Send Disbursements - Enables quick, safe and secure funds disbursements, domestically and cross-border
Mastercard Send Funding - Secures funds quickly from consumers’ sending accounts for their funds transfers

Additional Services 
Additional fees may apply for using some of these Value Added Services, as set forth in the Mastercard Consolidated Billing System manual or otherwise communicated by Mastercard to the Program Participant.

The following services can be used with the main funding and payment services to enhance funds transfer solutions for

manual or otherwise communicated by Mastercard to the Program Participant.

The following services can be used with the main funding and payment services to enhance funds transfer solutions for TRANSACTION INITIATOR / ORIGINATING INSTITUTION:

Account Information Service - Retrieves information about card accounts, including sending and receiving eligibility

Account Verification Service (AVS) - Checks card accounts with issuers in real time

The following services can be used with the main funding and payment services to enhance funds transfer solutions for ORIGINATING INSTITUTION 
Currency Conversion Calculator for Originating Institution Reconciliation - Real-time access to Mastercard daily currency conversion rates for cross-border transfers

The following services help particular participants support funds transfer activity for SPONSOR BANK:
Mastercard Send Parameter Management Services - Monitor partners’ funds transfer processing activity in near real time

Website:

participants support funds transfer activity for SPONSOR BANK:

Website: https://developer.mastercard.com/product/mastercard-send
Website : https://developer.mastercard.com/product/identity-check-mobile. Mastercard's Biometric authentication product has been upgraded, and we recommend referring to Biometric Authentication Service for updated product and technical documentation. Biometric Authentication Service  can be used as a more upgraded version, since Identity Check Mobile will be decomissioned in March 2024. If you have any questions, please reach out to IDCM-Support@mastercard.com. Identity Check Mobile provides biometric authentication solutions such as fingerprint, voice and facial recognition on mobile devices. It is a  Fast Identity Online (FIDO) certified passwordless authentication solution that allows users to verify their identity using biometrics. It's

voice and facial recognition on mobile devices. It is a  Fast Identity Online (FIDO) certified passwordless authentication solution that allows users to verify their identity using biometrics. It's benefits are convenience, because it leverages device biometrics on mobile and web to verify identity as an alternative to a static password or one-time passcode , security, due to a multi-factor authentication based on FIDO UAF and FIDO2+, and WebauthN standards,​ Optimized Customer Experience, because it reduces friction while ensuring security from log in to payment authentication and advanced features and innovation, including device management, risk signals, transaction confirmation, and more​.  
Mastercard's Biometric authentication works in the following way : the cardholder installs and launches application and its prompted to enroll biometrics. Cardholder enters their device nickname. Device and app integrity checks and 2-factor verification process occur and cardholder proceeds to

launches application and its prompted to enroll biometrics. Cardholder enters their device nickname. Device and app integrity checks and 2-factor verification process occur and cardholder proceeds to enrollment. Cardholder taps on ENROLL button. App asks Cardholder to verify enrolled fingerprint, then prompts for face enrollment. Cardholder is successfully enrolled and biometric details are encrypted and stored on device. It is mostly used in App login, funds transfer, attendee verification, suspect transaction, etc.
Website : https://developer.mastercard.com/product/in-control-for-commercial-payments. Mastercard's In Control for Comercial Payments (ICCP) is the most robust virtual card solution in the market, making payments to suppliers flexible, easy and secure. A virtual card, also known as Virtual Card Number (VCN), is a credit card that is generated dynamically based on a real card, and used to make a business payment or series of payments. It is used to simplify corporate

known as Virtual Card Number (VCN), is a credit card that is generated dynamically based on a real card, and used to make a business payment or series of payments. It is used to simplify corporate business-to-business (B2B) payments using virtual cards with increased efficiencies, enhanced controls, more security and better data. It allows you to dynamically generate a new virtual card number for each payment, which acts as a unique identifier for the transaction and conceals the real card number that is funding the virtual card. It also allows users to limit how virtual cards can be used, by transaction amount, type of purchase, timeframe and more; and it also allows users to capture invoice details for each transaction, which allows buyers and suppliers to rapidly reconcile payments. A company that wishes to make payments using virtual cards, enrolls for ICCP, working with its commercial card issuer. Once enrolled, company buyers use the ICCP API to create virtual cards, make

A company that wishes to make payments using virtual cards, enrolls for ICCP, working with its commercial card issuer. Once enrolled, company buyers use the ICCP API to create virtual cards, make payments to suppliers, and track and reconcile payments against invoices. The steps of usegae are the following : 1st - Through the ICCP user interface, the company registers one or more real cards to fund their virtual card payments. 2nd - Company buyers submit purchase requests to create virtual cards, set controls on their use, and record invoice details. 3rd - Suppliers take payment using the virtual cards, as they would with a real credit card, and record the invoice details for their records. 4th - The company generates reports on virtual card transactions and reconciles the transactions against accounts payable.
Website https://developer.mastercard.com/product/location-intelligence. Mastercard Location Intelligence is a platform that provides developers with access to advanced

against accounts payable.
Website https://developer.mastercard.com/product/location-intelligence. Mastercard Location Intelligence is a platform that provides developers with access to advanced geospatial data and tools. It can benefit developers by allowing them to integrate location-based insights into their applications, enabling features like geofencing, location-based marketing, and more. It provides access to Mastercard's extensive merchant and transaction data, which can be valuable for creating innovative location-based solutions. Mastercard offers developer support and a community for developers working with Location Intelligence. You can join the developer community to connect with other developers, ask questions, and share experiences. Additionally, there may be support options, such as forums, email support, or live chat, to help you troubleshoot any issues or clarify doubts while integrating Location Intelligence into your applications.
Website :

may be support options, such as forums, email support, or live chat, to help you troubleshoot any issues or clarify doubts while integrating Location Intelligence into your applications.
Website : https://developer.mastercard.com/product/mastercard-benefits-and-experiences-portal. Mastercard's Priceless Platform is a digital-first solution. Through a single entry point, customers can pull an array of content to present to their cardholders and enable personalization of cardholders’ benefits and lifestyle. Priceless Experiences are exclusive, cardholder-only access to exceptional curated experiences. With over 1,000+ experiences, cardholders have an array of offerings to choose from in the world’s most exciting destinations. Priceless Platform provides cardholders the ability to personalize their offers and benefits to tailor meet their lifestyle needs. Empower cardholders with hundreds of Priceless offers and benefits to choose from. Centralize your own assets into the Priceless

their offers and benefits to tailor meet their lifestyle needs. Empower cardholders with hundreds of Priceless offers and benefits to choose from. Centralize your own assets into the Priceless Platform to allow cardholders to easily engage with your suite of native offerings via a single digital touchpoint. It's Deployment Options are :  1- Microsite - Low effort and no control of the Priceless API UX. Mastercard hosted website that combines and presents content to cardholders. Cardholders entering the site will self identify through an eligibility check and be presented the content they’re eligible for. 2- Webhosted - Standalone - Less effort and less control of the Priceless API UX. Mastercard creates a webhosted solution where partner will pass cardholder data through SSO for cardholders to access the site, creating a seamless user experience.3 - Webview - Embedded -More effort and more control of the Priceless API UX- The partner controls the overall UX flow and adds selected

to access the site, creating a seamless user experience.3 - Webview - Embedded -More effort and more control of the Priceless API UX- The partner controls the overall UX flow and adds selected pre-configured Priceless Platform hosted pages, embedding them into their existing mobile applications. 4-Native API- High effort offering full control of the Priceless API UX. Partner will integrate the full user experience with the Priceless Platform API, allowing for maximum flexibility in the user experience and content presentment. The Priceless Platform API will come with a recommended user journey to ensure an optimal cardholder experience.
Website : https://developer.mastercard.com/product/cloud-commerce-sdk. Mastercard's Clouad Commerce is a cloud-native software-based acceptance solution that combines Tap on Phone, Pay by Link, Click to Pay, and more, enabling simple physical and digital merchant acceptance.  Some of the benefits are: 1. Reduce exposure to sensitive POS components and

combines Tap on Phone, Pay by Link, Click to Pay, and more, enabling simple physical and digital merchant acceptance.  Some of the benefits are: 1. Reduce exposure to sensitive POS components and cardholder data that have compliance and certification requirements. 2. Develop a lightweight application that makes it possible to extend payment acceptance to lower-cost devices, thus expanding the potential merchant base. 3. Simplify integration reviews and deployment with Cloud Commerce components that are pre-certified. 4. Minimise the effort needed to bring a solution to market using the pre-integrated processors and acquirers. It works in the following manner: Merchant opens Tap on Phone application on their mobile device. Consumer taps contactless form of payment – contactless card, mobile wallet, or wearable on merchant’s mobile device. Transaction is approved and consumer can receive an email or SMS receipt. Some of its use cases are : Card Acceptance - Grow card acceptance by

mobile wallet, or wearable on merchant’s mobile device. Transaction is approved and consumer can receive an email or SMS receipt. Some of its use cases are : Card Acceptance - Grow card acceptance by providing a low cost solution to small and medium sized businesses that do not accept electronic payments today. POS Replacement- Enable small and medium sized businesses to replace existing point of sale with a cheaper terminal alternative.POS Augmentation - Provide a way for medium and large merchants to serve new use cases including curbside pickup, payment on delivery, and queue busting.
Community Pass provides digital infrastructure for underserved communities. This segment of the world’s population is largely invisible today – they have no identity, no data records, and in many cases inconsistent connectivity or even electricity. For those servicing this segment, these challenges lead to solutions that are often manual, inefficient, disjointed, and expensive to implement and

inconsistent connectivity or even electricity. For those servicing this segment, these challenges lead to solutions that are often manual, inefficient, disjointed, and expensive to implement and sustain. Community Pass addresses these challenges by providing a uniform, interoperable infrastructure based on a common digital identity and shared tools, reducing costs assosicated with serving this segment and thus enabling service providers to better serve and access these individuals. Community Pass transforms service delivery in remote communities and increases access to services for those who are excluded today. Community Pass provides an interoperable infrastructure based on a common digital identity and shared tools, reducing costs associated with reaching underserved communities. Is designed for remote communities (Built to overcome barriers — such as inconsistent power and connectivity), safe and secure (Leverages the highest standards of privacy and data security to give

Is designed for remote communities (Built to overcome barriers — such as inconsistent power and connectivity), safe and secure (Leverages the highest standards of privacy and data security to give individuals control of their information.), Interoperable infrastructure (Designed for use across sectors, services providers and third-party solutions — all via a shared digital infrastructure) and has seamless user experience (Provides intuitive, digital solutions to drive access and inclusion among remote communities). The Community Pass Multi-wallet is provided to the consumer and serves as a container for their unique digital ID. When they visit an agent to receive goods or services, they can tap, scan or enter a passcode to verify who they are to the agent, and that agent then provides goods or services knowing the individual is indeed the right person. The application can either use the credential only, read data from the card, or write new data to the card – depending on the

goods or services knowing the individual is indeed the right person. The application can either use the credential only, read data from the card, or write new data to the card – depending on the specifics of the interaction. Community Pass customers leverage APIs and SDKs to integrate with the platform and access the tools and services which will be embedded in your applications. This integration will provide the ability to generate a unique digital ID which can be stored as a credential on the Multi-wallet device and verified by service agents using an Android-based Point of Interaction (POI). That credential can be used offline to verify and authenticate users before services or products are provided to a consumer. As a single unique ID for the consumer, it streamlines access to digital information and supports interoperability across multiple providers and applications. There are also options for consumer facing applications that can be used with minimal development. Mastercard

information and supports interoperability across multiple providers and applications. There are also options for consumer facing applications that can be used with minimal development. Mastercard Community Pass is a shared, digital platform that will enable governments, NGOs, and other service providers to enhance access to critical services while simultaneously reducing the cost of service delivery. With Community Pass, individuals will receive a functional ID and a digital wallet – carried on a smart card – that enables them to receive food and humanitarian aid; access agricultural services, education, healthcare, and formal financial services; and more. Moreover, Community Pass was developed specifically to work offline, thus ensuring that individuals living in low- and no-connectivity environments are able to access critical services and opportunities. The Community Pass Platform provides technology that allows customers servicing digitally excluded and remote communities to do so

environments are able to access critical services and opportunities. The Community Pass Platform provides technology that allows customers servicing digitally excluded and remote communities to do so in a more efficient and effective manner. The lives of consumers and the variety of services needed across any community are not limited to commerce and payments – rather they include a broad range of “life transactions” such as verifying who you are, health visits, crop exchanges, and agricultural deliveries, to name a few. In Community Pass, the functionality and capabilities are organized around these “life transactions” and include activities necessary to administer and maintain any technology-based program that supports them. Enabling these transactions requires different actions and attention before, during and after an event or service is provided – as well as various administrative or back-office functions. The Community Pass “Point of Interaction (POI) Service” enables an

and attention before, during and after an event or service is provided – as well as various administrative or back-office functions. The Community Pass “Point of Interaction (POI) Service” enables an Android-based device to interact with the Community Pass Platform. This Android device will hold two (or more) applications: 1) 
Your application(s) that integrates with Community Pass services and are used by service providers in the field; 2) A “Community Pass Kernel” which is a headless application your application will issue commands to in order to accomplish Community Pass actions. When installed this combination will enable service providers using their own solutions to utilize the Community Pass digital platform. You can find more information about Community Pass in https://developer.mastercard.com/product/community-pass/
Personalized transaction controls and alerts provide cardholders greater control on how and when their account is being used. The Key Features are Real-time

transaction controls and alerts provide cardholders greater control on how and when their account is being used. The Key Features are Real-time Alerts (Receive personalized notifications as payments happen), Transaction Amount Alerts and Controls (Receive alerts or an alert and decline for transactions over a chosen amount), Card On/Off (Turn cards ON/OFF easily). To set consumer controls, the Issuer registers card(s) for Consumer Controls using Spend Alerts or Spend Controls API and the consumer uses Issuer’s digital site to set controls. When a cardholder completes a transaction with the registered card, the transaction is validated against the assigned controls, triggering control set if criteria is met. The cardholder receives an alert about the declined transaction from their Issuer as provided by Mastercard. They allow to increase card usage, drive cardholder engagement, and reduce fraud by empowering consumers with personalized alerts and controls. Possible use cases include

as provided by Mastercard. They allow to increase card usage, drive cardholder engagement, and reduce fraud by empowering consumers with personalized alerts and controls. Possible use cases include purchase type (Customized alerts that allow spending on specific types of purchases, resulting in spend lift for these transactions), international purchases (Alerts notifying when an account is being used for purchases outside of the country in which the card is issued, allowing for more confidence in using an account while traveling), purchase limits (Transaction limits give more visibility to spending.You can find more informations on Consumer controls in). You can find more information in https://developer.mastercard.com/product/consumer-controls/.
Create Virtual Card Numbers, register and setup controls using Consumer Controls API. Provide cardholders greater control on how and when their account is being used by utilizing a Virtual Card Number with personalized transaction controls

setup controls using Consumer Controls API. Provide cardholders greater control on how and when their account is being used by utilizing a Virtual Card Number with personalized transaction controls and alerts. The key features are Create Virtual Card Numbers (Provide an additional layer of consumer confidence when making online purchases by creating a Virtual Card Number), Real-time Alerts (Send personalized notifications as payments happen without impacting controls on their “plastic” card) and Card On/Off (Turn Virtual Cards ON/OFF easily). The Issuer creates and registers Virtual Card Number(s) using Consumer Controls - Virtual Card Numbers API and the cardholder uses Issuer’s digital site to set controls. The cardholder completes a transaction with the registered Virtual Card Number ans the transaction is validated against the assigned controls, triggering control set if criteria are met. Cardholder receives a notification about the declined transaction from their Issuer as

ans the transaction is validated against the assigned controls, triggering control set if criteria are met. Cardholder receives a notification about the declined transaction from their Issuer as provided by Mastercard. Controls on Virtual Card Numbers increase card usage, drive cardholder engagement, and reduce fraud by empowering consumers with personalized alerts and controls. Possible use cases include Instant Issuance (Virtual Card Numbers are created instantly to use for online purchases, eliminating wait time for issuing replacement cards), Purchase Visibility (Cardholder has the ability to monitor transactions in real time and be aware of any online transactions done with a Virtual Card Number) and Fraud Mitigation (Use of Virtual Card Numbers enhances online security, avoiding concern over sending real card details to online merchants). Issuers are offering customers ability to create and use Virtual Card Numbers for: Purchase Visibility (Monitoring online purchases), Fraud

over sending real card details to online merchants). Issuers are offering customers ability to create and use Virtual Card Numbers for: Purchase Visibility (Monitoring online purchases), Fraud Mitigation (Easing concerns over sending real card details to online merchants), Card Disbursement (Allowing card to be set for specific purposes/audiences) and Instant Issuance (Issuing card for immediate use while waiting on a replacement card). You can find more information on virtual card numbers in https://developer.mastercard.com/product/consumer-controls-virtual-card-numbers/.
Mastercard’s Currency Conversion Calculator APIs provide access to cardholder currency conversion rates for payments where the transaction currency differs from the cardholder billing currency. Additionally, the Enhanced API provides access to European Central Bank (ECB) reference rates that European Economic Area EEA issuing customer may require for the purposes of compliance with EU Regulation 2019 / 518.

Enhanced API provides access to European Central Bank (ECB) reference rates that European Economic Area EEA issuing customer may require for the purposes of compliance with EU Regulation 2019 / 518. Mastercard's currency conversion calculator key features are Global Reach (Provides access to Mastercard’s currency conversion rates across 150 currencies), Ease of Integration (Seamless integration into consumer-facing website or mobile applications), Enhances consumer experience (Create digital solutions that provides transparency and enhance consumer experience), Supports EU Regulation (Access ECB reference rates required to support regulation on EEA issuing customers for Enhanced API only), Provides daily and historical rates (Access to daily currency conversion rates and historical* currency conversion rates up-to 365 days for Enhanced API only) and Minimizes operational overhead (Receive currency conversion rates and cardholder billing amount inclusive of issuer-provided cross-border

conversion rates up-to 365 days for Enhanced API only) and Minimizes operational overhead (Receive currency conversion rates and cardholder billing amount inclusive of issuer-provided cross-border fees). Some of the use cases for this solution include: Display on your website or mobile app (Consumers will be able to access real-time information before making a cross-currency purchase), Instant Notifications (Provide instant information with SMS push notifications and banking app alerts immediately after a purchase. This allows consumers to be informed and keep track of their purchases) and Create location-based programs (Deliver on time and relevant currency conversion rate information based on consumer cross-border travel activity). The provision of seamless digital experiences has become a major battleground as financial institutions and fintechs compete for new business and strive to improve consumer retention. The Currency Conversion Calculator and Enhanced Currency Conversion

a major battleground as financial institutions and fintechs compete for new business and strive to improve consumer retention. The Currency Conversion Calculator and Enhanced Currency Conversion Calculator can help financial institutions and fintechs broaden their digital offering, and improve the consumer experience. You can find more information on Currency Conversion Calculator in https://developer.mastercard.com/product/currency-conversion-calculator/.