Securing mobile and digital payments
Making payments better for contactless, in app and e-commerce transactions
The ubiquity of mobile phones is changing the way consumers pay. Mastercard® is at the forefront of building a foundation for secure mobile transactions.
We’re answering the call from consumers who are seeking better ways to shop & pay — through our innovative digital payments solution Masterpass; our contactless technologies that make transactions faster; the mobile solutions we power such as Google Pay™ and Apple Pay™ ; or the next generation security provided through our Mastercard Digital Enablement Service.
We make it possible for people to pay with any type of payment card, anywhere, on any device — through a simple click, tap or touch. Mastercard is your best digital payments partner.
- Our digital payments strategy is centered on choice — developing an array of open, flexible products to meet issuer, retailer and consumer needs.
- Our strategy is robust and future proof, with a consistent and focused view of how digital payments can successfully evolve.
- Our focus on security including industry leadership in EMV (the technology behind behind Chip & PIN) is second to none.
Mastercard Digital Enablement Service
What it is
- The service allows issuers and retailers to manage tokenisation and digitisation to create EMV-like security for every transaction. It gives cardholders the choice and peace of mind to make more secure digital payments from a variety of connected devices through a tap, touch or click.
How it works
- Creation: The card's primary account number (PAN) is replaced with an alternate card number called a token
- Storage: The tokenised card details are delivered to the mobile device through a process called digitisation
- Usage: A mobile device is enabled for more secure payments
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Commerce for every device
See how Mastercard is enabling the "Internet of Payment Things"
Introducing Mastercard Digital
A scalable solution for issuers and digital players so that consumers can use their cards when, where and how they want. Express expedites the process of digitising and tokenising Mastercard accounts through the Mastercard Digital Enablement Service (MDES). With Express, Mastercard partners - digital wallet providers, device manufacturers, card on file retailers and other digital payment providers - have a simple onboarding process to engage with all participating banks.
Express partner includes:
The benefits of Express
Simple to Scale
- Your tokenised cards are automatically available to new digital partners that also enroll in the Express programme
- When new digital partners join the programme, you're able to scale without negotiating separate bilateral agreements
- All digital partners must meet programme requirements based on EMV and tokenisation standards
Fast to Market
- We help make it simple to activate your digital payment strategy with fast track channel activation