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Skip to Content | Mastercard for you Find a card Credit Cards Debit Card Prepaid Get A Mastercard Get Support Convert currency Locate an ATM Safety & Security SecureCode Ways to pay Click to Pay Contactless Apple Pay Low Cost Acceptance Offers and Promotions Ramadan Offers 2024 Qatar & Kuwait Côte d'Ivoire Mastercard for business Banks Gateway Buy Now Pay Later Businesses Mastercard Solutions Public sector Cities of Future Small & Medium Business Brand Center Data & services Mastercard Businesscard Start accepting Trust Center Cybersecurity Resources Learn basics Expand knowledge Master your security Resources & solutions Vision Global impact Global Privacy Policy Data analytics opt-out Marketing e-mail opt-out Fraud Security Privacy Terms of Use Trademarks Careers Opens a popup for the search box NEED HELP? WE’RE ALWAYS HERE WHEN YOU NEED US. Get Support Report a lost or stolen card Find ATM * View all results | Mastercard for you Find a card Credit Cards Debit Card Prepaid Get A Mastercard Get Support Convert currency Locate an ATM Safety & Security SecureCode Ways to pay Click to Pay Contactless Apple Pay Low Cost Acceptance Offers and Promotions Ramadan Offers 2024 Qatar & Kuwait Côte d'Ivoire Mastercard for business Banks Gateway Buy Now Pay Later Businesses Mastercard Solutions Public sector Cities of Future Small & Medium Business Brand Center Data & services Mastercard Businesscard Start accepting Trust Center Cybersecurity Resources Learn basics Expand knowledge Master your security Resources & solutions Vision Global impact Global Privacy Policy Data analytics opt-out Marketing e-mail opt-out Fraud Security Privacy Terms of Use Trademarks Careers Opens a popup for the search box NEED HELP? WE’RE ALWAYS HERE WHEN YOU NEED US. Get Support Report a lost or stolen card Find ATM * View all results -------------------------------------------------------------------------------- Submit Clear GET STARTED GET STARTEDFREQUENTLY ASKED QUESTIONS -------------------------------------------------------------------------------- 2-SERIES BANK IDENTIFICATION NUMBERS What are BINs? Bank Identification Numbers (BINs) are fundamental to payments. They identify the issuing institution for each cardholder account and enable transactions to be properly routed. BINs are currently the first six digits of the account number. Since the 1960s, Mastercard has been closely identified with the 51-55 BIN range. Who governs BINs? The International Organization for Standardization (ISO), an independent, non-governmental international organization that develops voluntary global standards. The ISO/IEC 7812 standard defines an Issuer Identification Number (IIN), known as a BIN within the payments industry. The American Bankers Association is the current registration authority that manages the BIN allocation process on behalf of ISO. Why are we talking about BINs? The payments industry is more complex than ever. With new devices and technologies emerging in a connected world, the industry's finite supply of BINs is reaching current capacities. The International Organization for Standardization (ISO) which has published ISO/IEC 7812 to define BINs, and the American Bankers Association which is the registration authority managing the numbers, has a limited supply of unused or unallocated numbers. So, the industry needs more BINs to manage industry growth. What is Mastercard doing to alleviate the limited supply of BINs? To expand supply, Mastercard is rolling out an additional 50,000 six-digit BINs (222100-272099). This will effectively double the existing supply of Mastercard BINs - allowing merchants to accept millions more transactions and our issuers to continue to support business growth. The 2-series BINs adhere to the current (2015 revision) ISO industry standard and will work exactly the same way as the 5-series BINs do today. When do changes go into effect? Cards with 2-series BINs will be issued beginning in 2017. In November 2014, Mastercard announced the required technical updates to add the 2-series BINs to its supply. The changes to support the new BINs need to be integrated into issuer, acquirer, merchant and processor systems by October 2016. Mastercard will begin merchant field testing of the 2-series systems on June 30, 2017. How will the 2-series BINS impact merchants? Merchants need to evaluate their systems with their acquirer or service provider. Based on that review, merchants may need to make updates to be able to accept transactions with the 2-series BIN range. For more information, visit the 2-series BIN page. How will the 2-series BINs impact issuers? Issuers will need to upgrade their systems to be compatible with 2-series BINs, but all systems should be analyzed to determine if any additional changes are required. Software providers may have updates available, and internally developed solutions may require enhancements. For more information, visit the 2-series BIN page. How will the 2-series BINs impact service providers and vendors? Service providers and vendors will need to work with their acquirer partner to upgrade their systems to be compatible with 2-series BINs. For more information, visit the 2-series BIN page. How will the 2-series BINS impact acquirers? Acquirers will need to upgrade their systems to be compatible with 2-series BINs. For more information, visit the 2-series BIN page. What other changes may impact BINs in the future? The industry is considering a move to a new 8-digit BIN standard and is discussing an appropriate implementation date. If adopted, it would require more extensive systems planning and upgrades. Mastercard is working with a committed group of industry participants to ensure all voices are heard in establishing the most efficient standard for continued industry growth. Who can I contact at Mastercard with questions related to the 2-series BINs? If you have a dedicated Mastercard representative, you may first contact that individual. Alternatively, you can send an email to BIN_Inquiries@mastercard.com. How can I test my Point of Sale terminal? Merchants should work with their acquirer or service provider to determine whether updates are needed to accept 2-series BIN transactions. Merchants who would like to request 2-series test or production cards can email 2series_test_cards@mastercard.com. ATM LOCATOR How do I use the ATM locator? In the ATM locator, enter a city, or a zip code. You can further narrow down the list of ATMs by providing a street address and a financial institution's name, and by checking off any additional criteria you require such as 24-hour access. Click the Search button, and you will be presented with a list of ATMs located near your destination. Click on a specific ATM for further information about its location. Depending on your destination, driving directions and a map may also be available. Why can't I locate ATMs in a specific location? Mastercard receives ATM location information from financial institutions. If an ATM location or a specific location is not listed, then information is not available. We continue to work with financial institutions to provide you with the most up to date and accurate ATM location information. You may want to contact the financial institution that issued your card for assistance concerning ATM locations, personal account withdrawal limits and restrictions, local currency cash advances, currency conversion, exchange rates or other services offered. You will find their contact information on the back of your Mastercard and on your billing statement. Or you can visit the financial institution's Web site. I don't know my password or my PIN. How can I get this information? For information about your PIN or account, you must contact the financial institution that issued your card. You will find their contact information on the back of your Mastercard and on your billing statement. Or you can visit the issuer's Web site to manage your account online. What is the fee for withdrawing money or taking a cash advance from an ATM? Mastercard does not determine ATM fees. Any fees charged by the ATM owner are disclosed at the time the transaction is initiated. At that time, you are given the option to discontinue the transaction if you do not wish to pay the fees. You should also check with the financial institution that issued your card to determine their ATM fee policies. You can find your issuer's contact information on the back of your Mastercard and on your billing statement. Or you can visit the issuer's Web site. The ATM wouldn't accept my card. What should I do? If you have a problem using your card at an ATM that carries the Mastercard, Maestro or Cirrus brand mark, we will investigate. Please provide as much of the information below as you can: * Your financial institution and any brand marks on your card * All brand marks on the ATM * The address of where the ATM is located, including City, State/Province and Location/Territory * ATM financial institution name (identified on the ATM) When you have the information handy, call 1-800-Mastercard (1-800-627-8372). How can I get a list of ATM locations if I don't have internet access? The Mastercard ATM network is only a phone call away, giving you access to cash wherever you go. * United States & Canada - 1-800-4CIRRUS (1-800-424-7787) * Outside the United States & Canada - Get Contact Numbers Can I use my prepaid card, gift card or credit card at an ATM? Yes. You may withdraw cash against the balance on most Mastercard prepaid and gift cards at any ATM. However, not all prepaid and gift card issuers allow ATM or foreign transactions. Be sure to check with your card issuer to ensure that these types of transactions are permitted. Most Mastercard credit cards also allow you to obtain cash advances at an ATM. You will need a Personal Identification Number (PIN) to withdraw cash. You can find your issuer's contact information on the back of your Mastercard and on your billing statement. Or you can visit the issuer's Web site. I've forgotten the PIN for my ATM card. How can I retrieve it or get a new one? You must contact the financial institution that issued your card to retrieve or reset your PIN. You can find their contact information on the back of your Mastercard and on your billing statement. How can I get a replacement for a lost or stolen ATM card? We'll help you replace your lost or stolen ATM card no matter where you are. Call the Mastercard Assistance Center with any card-related need from anywhere in the world. Get Contact Numbers Questions not answered here? If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center toll free at 1-800-627-8372 or 'Collect' by dialing 1-636-722-7111. If you believe that your question can only be answered by Mastercard, click here to submit your question. How can I direct my customers to the closest ATM that will let them get cash with their Mastercard? Mastercard cardholders have access to more than one million ATMs around the world. You can direct your customers to the ATM Locator tool to find the locations nearest them. BILL PAY Can I pay my billers who accept Mastercard directly from this site? No. To pay a bill, please visit your biller's Web site for instructions on how to provide payment to them. Do I have to pay a fee for bill payment using a Mastercard? Mastercard does not charge a fee for bill payment. While most service providers do not charge a fee, be sure to ask if they charge any fees or have any restrictions associated with making a payment using your Mastercard. How do I pay a bill with a Mastercard? Please contact your biller to make an electronic payment. Many provide this payment option through their Web sites or by phone. How often can I make automatic bill payments, and when do bills get paid? Automatic bill pay is an arrangement you make with your selected biller or service provider(s), so you will need to contact each directly to arrange payment amounts and scheduling. Each biller has its own procedure for automatic bill payment. Is there a limit to the number of automatic bill payments I can have on a Mastercard? No, but you may be limited in making overall charges to your Mastercard account if doing so would cause you to exceed your credit limit. Who issued my card? You will find your card issuer's contact information on the back of your Mastercard and on your billing statement. Which cards can I use to pay bills? You can use a credit or debit card that bears the Mastercard logo. We recommend that you confirm with each biller to ensure that it accepts your card as a form of payment. What is automatic bill payment? Automatic bill payment can help you avoid late fees and charges by allowing your selected service providers to automatically charge your Mastercard account on a regular basis. What is manual bill payment? With manual bill payment, you have the freedom of selecting the amount to pay and the date on which you want to make payment. Each time a bill is due, you initiate the payment process. If I enroll in automatic bill payment, will I continue to receive a bill? Automatic bill pay is an arrangement you make with your selected service provider(s), so you will need to contact each directly (by phone or online) to arrange payment amounts and scheduling. Most billers continue to mail a bill indicating the total amount they will charge. However, some providers may allow you to elect to receive an online bill or no bill at all. At the time you initiate an automatic bill payment relationship, you should determine how the provider will bill you. What information will the service provider/biller request? Bill pay is an arrangement you make with your selected service provider(s), so you will need to contact each provider directly to arrange payment amounts and scheduling. Typically, the biller will ask for your Mastercard account number and the expiration date. For automatic bill payment, the biller may also require the payment amount it is authorized to automatically charge, and the specific date you wish to be charged each month. Note: Not every service provider/biller will allow you to choose this date. And, some service providers may require additional information, such as your signature. What if my Mastercard account information changes? Your Mastercard account information may change due to a lost or stolen card, expiration date change or an upgrade to a new product. To prevent an interruption in service, you must contact each biller and give them your new account information. We recommend that you keep a list of the billers that you pay automatically so you can efficiently update this information when necessary. What if I want to stop an automatic bill payment? Contact the biller with whom you've set up the automatic bill payment, and follow their procedures to cancel or change the method of payment. What if I don't agree with a payment amount made to a biller/service provider on my Mastercard statement? It is recommended that you review the paper or electronic bill that your biller provides prior to any payment being made with your Mastercard. However, if there is an error or question about a payment billed to your card, contact your biller immediately to resolve payment discrepancies. As a Mastercard cardholder, you are not responsible for unauthorized purchases charged to your account. Learn more about our Zero Liability* coverage. Exceptions apply. What are the benefits of bill payment using a Mastercard? Using your Mastercard is much faster and more convenient than writing checks. You can initiate payments at anytime and from anywhere in the world. Charges will appear on your monthly statement, so it is an easy and efficient way to stay organized and keep track of your expenses. In addition, if you use automatic bill payment you won't have to worry about missed payments or late fees. Depending on the card you use, you may also be able to earn rewards. BROWSER SUPPORT Having problems accessing mastercard.com? This site is optimized for the following browsers: * Google Chrome (latest version) * Firefox (latest version) * Internet Explorer (latest version) * Safari (latest version) * Edge (latest version) If you encounter problems with accessing the site, please try an alternate browser or update your browser to the latest version. CARD BENEFITS What card benefits and insurance are provided at no cost to me with my Mastercard? Mastercard provides many different features and benefits that vary depending on the specific card you use. To learn more about your card benefits, please contact the Mastercard Assistance Center at 1-800-627-8372 or 'Collect' by dialing 1-636-722-7111. What happens if I lose an item that I purchased with a Mastercard? If you lost an item that you paid for in full with your Mastercard, you may be eligible for replacement or reimbursement. Mastercard provides many different features and benefits that vary depending on the specific card you have. To learn more about the benefits offered by your card, please contact the Mastercard Assistance Center at 1-800-627-8372 or 'Collect' by dialing 1-636-722-7111. What rental car insurance does Mastercard provide when I rent a car using a Mastercard? Rental insurance differs by location and varies based on the specific card that you have. Please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. How can I find out more about my card benefits? Mastercard provides many different features and benefits that differ depending on the specific card that you have. To find out the benefits offered by your card, please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. How do I file a claim for card benefits? Please call the Mastercard Assistance Center toll-free from the U.S. at 1-800-627-8372 or you can call "collect" by dialing your local operator from most locations to 1-636-722-7111. Questions not answered here? If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, click here to submit your question. CARD BREACH How can I get the name of the merchant where my card account was compromised? Mastercard appreciates the concern and diligence you are taking to protect your finances as it relates to credit cards and the inquiry regarding a card account breach that has impacted you directly. We take each card breach occurrence very seriously and work closely with investigative agencies. Additionally, Mastercard has increased penalties to processors to help ensure each of these companies protects cardholder data with extreme care and diligence. Specific to card breaches, Mastercard cannot determine which merchant transaction caused a card breach since this data is not generally provided to us. We encourage you to contact the financial institution that issued your Mastercard for the most up-to-date information. Typically, there is a customer service number on the back of each card that you can call. CASH WITH PURCHASE What is cash with purchase? Cash with purchase is a service offered by select retailers that allows consumers to get cash from their debit card when making a purchase. Where can I find retailers that will enable me to get cash back with purchase? Click here to find retailers that will enable you to get cash back when you make a purchase with a Debit Mastercard. Do I need to use my debit card to get cash back? Yes, since the funds are drawn from your account that is linked to your debit card, this service is only available when using a debit card. Is there a fee for this service? Although the majority of retailers do not charge for this service, there are some locations that charge a fee. What is the advantage of getting cash at purchase? Cash with purchase is a convenient way to quickly and easily get cash from your account while shopping at your favorite retail locations, saving you a trip to the ATM. And, in most cases, there is no fee for this service whereas you may be required to pay a fee at the ATM. Is there a maximum amount of cash I can get with my purchase? The amount of cash available may vary by merchant and may be subject to availability of funds at the time of purchase. If you have questions about the availability of funds at a particular merchant, please contact the merchant directly. Cash with purchase amount is also subject to availability of funds in the account that is linked to your debit card. What search filters are available on the cash locator tool? You can search for merchant locations that offer cash with purchase either by merchant name or category including: apparel, automotive, convenience stores, restaurants, gas stations, transportation and many more. To access the tool, click here. CHIP CARD What is an EMV chip card, and how can this technology help my business? The EMV chip card is a card embedded with a computer chip. They are simple to use and accept, and give cardholders increased convenience and security. These cards can even keep track of purchases, offering retailers and service providers marketing opportunities. Are chip cards new? Although chip cards are relatively new in the United States, they have been used elsewhere for many years. In some locations, particularly in Europe, merchants may be more familiar with accepting chip cards. How is a chip card different from a magnetic stripe card? A chip card looks just like a traditional card but it has an embedded chip. Rather than swiping your card, you insert your chip card into the terminal to complete the transaction. Your card may also have contactless capabilities so you can tap your card at checkout when given the option. What are chip cards? A chip card is like the card you have today, but includes an embedded microchip. The chip contains information that is encrypted making it extremely difficult for the card to be copied or counterfeited. Your chip card will also have a magnetic stripe on the back, so that you can continue using your card while merchants are transitioning to new chip-enabled terminals. What are the benefits of chip? The embedded microchip provides robust security features and other capabilities that are not possible with traditional magnetic stripe cards. A chip card is virtually impossible to counterfeit. Where can I use my chip card? Use your chip card at the same merchants you do now -- either by inserting the card into terminals that are chip-enabled or swiping your card. You can also continue to use your card as you did before for online payments, telephone payments and at ATMs. Who do I contact if I want more information? For more information about your chip card, please contact your financial institution. Why is my card being upgraded to a chip card? Chip cards are being introduced in the United States after much success in other parts of the world. Your new chip card provides added security. What's my PIN? The PIN on your chip card is the same PIN as on your previous card. If you forgot your PIN or want to change it, please contact your financial institution. How does chip work? Whether your card is inserted in the terminal or tapped, the chip communicates with the terminal to determine whether the card is authentic. Typically, the terminal will prompt you to enter a PIN to validate your identity. Once approved, your transaction will be complete. How do I know if my chip card has Mastercard contactless? Cards that have contactless capabilities will have the word "contactless" and may also have a contactless symbol on the card. You can tap to pay at merchants that have the following symbol or contactless on the terminal: If a merchant does not have this functionality, you will need to insert your chip card into the terminal and enter your PIN. Why does my credit card have a PIN? Your credit card has a PIN in order to provide you with the latest security features. By entering your PIN, you validate that you are the authorized user of the card. You will not be charged a fee to use your PIN unless you are using your credit card to get a cash advance at the ATM. CONTACTLESS CONSUMER FAQS What is Mastercard contactless? Mastercard contactless is like having exact change wherever you go. A simple tap of your card, key fob or smart phone is all it takes to pay at checkout. Why should I use contactless? There are many benefits to contactless payments: * It's like having exact change wherever you go, so you don't have to worry about carrying around cash or fishing for coins. * You are in control because your contactless-enabled card or device never leaves your hand at checkout. * You get better record keeping of all your purchases than you do when using cash. * It's fast and ideal at places where speed is essential, like stadiums, fast food restaurants, gas stations and more. Where can I make contactless payments? Anywhere you see the contactless symbol at checkout you can simply tap to pay. This includes fast food restaurants, gas stations, convenience stores, pharmacies, stadiums and more. Find participating locations If you don't see the symbol, your contactless-enabled card can still be used by inserting your chip card or swiping at checkout. How do I pay with Mastercard contactless? To make a purchase, simply tap your Mastercard contactless card, key fob or smart phone on the payment reader at the checkout of participating retail locations. Find participating locations Can I use my contactless card or device on payment readers that don't display the contactless logo? You can make contactless payments on any contactless payment reader that displays this symbol . You may also use contactless cards in magnetic stripe readers by swiping the card. However, you cannot use a contacless key fob or smart phone in a magnetic stripe reader. How close does the "tap" have to be to the checkout reader? Typically, when you tap your card/device at checkout, it must be within an inch or two of the contactless symbol on the terminal at the counter. Please note that if you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader. How will purchases appear on my monthly statement? Purchases made with contactless will be displayed on your statement just like any other purchase you make with a card. How does it work? Contactless uses a hidden embedded computer chip and radio frequency antennae. After you tap your contactless card or device at checkout, payment details are sent wirelessly to the Mastercard network. If using a mobile phone, moments after you tap, you'll receive payment confirmation and be on your way. What is a key fob or payment tag? A key fob or payment tag is a special contactless device that you can attach to your key chain. Card issuers sometimes provide this as a companion to your traditional primary Mastercard plastic card. Do I have to treat my Mastercard contactless card or device in any special way? Treat your contactless card or device as you would any other credit, debit or prepaid card. Always know where your contactless card or device is and keep it in a safe place. And be sure to keep a record of all of your card numbers, expiration dates and emergency phone numbers. Is there a battery? No, there is no battery. Do I need to turn it on/off? If you have a contactless-enabled mobile phone, you can turn it on or off. If you are using contactless card or fob, it is always on and ready to use. Is it safe? Yes. Contactless payments provide secure encryption technology and Zero Liability protection and are as safe as your regular card. * You are in control – your contactless-enabled card or device never leaves your hands to make a payment * No accidental payments – your contactless-enabled card or device must be close to the reader at checkout to work * Not billed twice – even if you tap more than once at checkout, you'll only get billed once for your purchase More about security Why aren't signatures required? To ensure that using contactless is as simple and convenient as cash, merchants that accept contactless do not require you to sign for small purchases ($50 or below). However, for your protection, purchases over $50 generally require a signature or PIN. What do I do if my contactless card or device has been lost or stolen? If you have lost your card or suspect unauthorized activity on your account, contact the financial institution that issued your card immediately. If you don't know your card issuer's number, contact Mastercard and we will assist you in finding that information. Contact us Questions not answered here? If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll free at 1-800-627-8372 or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, click here to submit your question. MERCHANT FAQS What is Mastercard contactless? Mastercard contactless is like having exact change wherever you go. A simple tap of your card, key fob or smart phone is all it takes to pay at checkout. How does it work? Contactless uses a hidden embedded computer chip and radio frequency antennae. After you tap your contactless card or device at checkout, payment details are sent wirelessly to the Mastercard network. If using a mobile phone, moments after you tap, you'll receive payment confirmation and be on your way. How will accepting Mastercard contactless benefit my business? Contactless acceptance is proven to bring many benefits for merchants including: * Faster check-out * Promotes higher average spend * Reduces costs related to cash handling * Enables POS for mobile NFC and new digital payment devices like wearables What type of merchants can benefit the most from contactless acceptance? Contactless acceptance is an excellent choice for any merchant, especially in environments where speed and convenience are valued or where cash is currently the dominant payment method. Examples include fast food outlets, supermarkets, quick-service restaurants, drive-thrus, convenience stores, vending machines, tollbooths, taxis, parking venues, fuel pumps and public transportation. Is Mastercard contactless secure? Yes, Mastercard contactless transactions are processed through the same financial payments network that processes billions of Mastercard magnetic stripe and chip card transaction each year. Mastercard contactless security mechanisms are designed to: * Protect against counterfeit cards. * Implement an efficient anti-replay mechanism for contactless transactions. * Limit the impact of fraudulent capture of contactless data by fraudsters across all environments. Even if the customer happens to tap twice by mistake, the technology ensures that consumer is bill once. Is it possible to make refunds to a contactless card, form factor and mobile phone? Yes, it’s possible to issue a refund to customers by tapping the contactless payment device in the same manner as making a purchase. Please follow your store’s refund policy. Does contactless payment acceptance change the payment guarantee for the merchant? No, if a contactless payment is authorized, online or offline, the merchant still receives a payment guarantee, even for transactions below the contactless CVM limit with no cardholder verification. What are the costs involved? Cost will vary depending in the selected solution. To accept contactless payments, merchants can choose to implement a plug-in peripheral reader or a fully integrated POS or Stand-alone POS system. How is accepting mobile payments different than accepting cards? To the cashier, mobile payments will look like contactless card payment; except the customer may verify their Mobile PIN, biometric or pattern recognition on the mobile device. How does the payment verification process work for contactless? For transactions up-to the country established contactless cardholder verification limit, no PIN or signature is required for cards and form factors. For purchases above this limit, PIN code or signature is required. For a purchase conducted with a mobile phone, the consumer will normally authenticate themselves on the mobile device with a Mobile PIN, biometric or pattern recognition. How would a customer know that contactless payments can be made at a location? The point of sale (POS) reader must display the contactless acceptance symbol . Many merchants display POS signage highlighting contactless acceptance as well. In addition, within two months of a merchant’s first Mastercard contactless transaction, the merchant’s name and address should appear on the Mastercard Contactless Locator website and the Mastercard Nearby™ app. What other documents are available to help merchants deploy contactless payments? The Contactless Toolkit for Merchants and How to Optimize the Consumer Contactless Experience – The Perfect Tap are your guide for successfully deploying a Mastercard contactless program. These documents are available on mastercard.com/contactless. For additional resources, including the Mastercard Terminal Integration process guide (M-TIP Process Guide), please contact your acquiring bank. Could customers unknowingly make a purchase if they walk past the reader? No, you have to activate the terminal first and the cashier must enter the payment amount to activate the contactless terminal. In addition, the card or device has to be held within 2 cm (1 inch) of the terminal. Does the merchant need to print a receipt for all contactless transactions? No, you’re not required to print a receipt for low value transactions unless your customers asks for a receipt. What is the transaction limit for Mastercard contactless cards? Contactless payments should be accepted for all amounts, the same as traditional card payment. What if the cash register doesn’t respond? Try these troubleshooting steps: * Make sure the terminal and adaptors are all turned on and plugged in. A light, wording or graphics on the screen should indicate the terminal is turned on. * If your terminal is a non-integrated terminal with a separate contactless reader, make sure that the contactless reader is lit up after the transaction is registered. The light may not turn on before then. * Register the transaction again as you would for a card transaction and ask your customers to tap again. Make sure their card/device is within 2 cm (1 inch) from the terminal and you hear a beep or see a change in the light. * If your terminal is still not responding, contact the terminal manufacturer or distributor. How does Mastercard contactless technology work for mobile devices? At checkout, your customers will need to follow the prompts on their device (this varies depending on the type of device) and then simply tap their device correctly over the terminal. When paying with a mobile phone, your customer normally authenticate themselves on the mobile device with a PIN, biometric or pattern recognition. CURRENCY CONVERSION Where can I find exchange rate information? In order to provide easy access to exchange rate information, Mastercard has created a tool using multiple market sources (such as Bloomberg, Reuters, Central Banks and others). Click here to visit our Currency Conversion Tool What is the currency rate for a country I am visiting? If you would like to know what the latest currency exchange rate is for the country you are visiting, please visit our website for the latest currency exchange rates. How is currency conversion charged to my account? We recommend that you contact the financial institution that issued your card to determine the currency conversion charges that are applied to foreign transactions. Typically, there is a customer service number on the back of each card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. I made a purchase in my local currency, so why was I charged a currency conversion fee? We recommend that you contact the financial institution that issued your card to determine the currency conversion charges that are applied to foreign transactions. Typically, there is a customer service number on the back of each card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. A merchant did not give me the choice of currency for my payment. What should I do? Thank you for your feedback and we’re sorry you had a bad experience at a merchant that accepts Mastercard. Mastercard investigates all complaints of deceptive merchant practices. Should you wish to speak with someone directly regarding this communication, feel free to contact us at POI_Currency_Conversion@mastercard.com. How can I report an excessive charge for currency conversion? Thank you for your feedback and we’re sorry you had a bad experience at a merchant that accepts Mastercard. Mastercard investigates all complaints of deceptive merchant practices. Should you wish to speak with someone directly regarding this communication, feel free to contact us at POI_Currency_Conversion@mastercard.com. Questions not answered here? If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, click here to submit your question. GETTING STARTED How do I contact Mastercard Customer Operations Support? Customer Operations Support can be reached at Customer_Support@mastercard.com How do I begin accepting Mastercard? It's easy to get started. The first step is to contact an acquirer or a payment services provider to apply for a merchant account with a bank or one of its agents. Get started accepting payments How can I accept e-Commerce payments? Many payment service providers can assist you in accepting e-commerce payments. In fact, many providers can also help you create a Web site, add a shopping cart function and enhance the security of your site and transactions. How can I download the Mastercard brand mark for use on my Web site? Electronic versions of the Mastercard brand mark are available from the Mastercard Brand Center for download. Questions not answered here? If your question is not listed, your best option is to contact the financial institution that issued your account as only they have your account specific information. Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can also always contact the Mastercard Assistance Center either toll free at 1-800-627-8372 or collect at 1-636-722-7111 and we can direct you to your issuer. If you believe that your question can only be answered by Mastercard: Click here to submit your question Or email AskMastercard@mastercard.com Or mail a letter to: Consumer Inquiries Mastercard International Incoporated 2000 Purchase Street Purchase, NY 10577 How can I apply for a Mastercard? If you already have a deposit account with a bank or credit union, you might want to contact them first to see if they can provide you with a Mastercard. If you do not currently have a relationship with a financial institution or would like to get offers from various issuers, Mastercard has created an online tool to assist in making decisions about which card products are available. Are there any programs that will help to grow my business? Yes, Mastercard has programs designed to grow various types of businesses. How does the payment process work? Let's review the payment process. What are the benefits of accepting Mastercard? Whether you're a new or established business, card acceptance can have a positive impact on your bottom line. Here are just a few of the many benefits: * Increased Sales Consumers spend more when they're not constrained by cash on hand. You may see increased purchases of higher-margin products as well as specialty items. And customers may visit your store more often. * Higher Customer Satisfaction Your customers will appreciate the fact that you allow them the flexibility to pay the way they want to pay - including by credit or debit card. Happier customers are more loyal customers. * Faster Checkout You'll speed your customers through checkout with rapid electronic payment. No more counting change or waiting while customers write checks. * Improved Efficiency Card transactions are conducted electronically. These paperless payments can save you time and money by minimizing cash handling and payment reconciliation, giving you more time to do more important things - like managing and growing your business. * Safety With lower volumes of cash, you're less vulnerable to theft and pilfering. * Currency Conversion Electronic payments on Mastercard and Maestro-branded cards are settled in the currency in which you sell your goods and services, regardless of where the cardholder is from. So, if you sell in U.S. or Canadian dollars, that's how you'll be paid. How do I start accepting card / digital payments? Find what you will need to start accepting electronic payments. What's the difference between an acquirer and a payment facilitator? A payment facilitator is a merchant of record who facilitates transactions on behalf of a sub-merchant. An acquirer is the bank or financial institution that processes credit and/or debit payments for a merchant. What's an acquirer and why do I need one? Also referred to as a merchant bank, an acquirer is a financial institution that is licensed by Mastercard to help a merchant accept Mastercard payments. Acquirers either sell their processing services directly to merchants or hire agents to sell on their behalf. These agents must be registered with Mastercard and clearly identify the Mastercard issuing bank that they represent on their business cards and stationery. The merchant agreement should also clearly identify the name of the bank. What's an interchange rate? Interchange rates are fees paid by acquirers to card issuers on purchase transactions conducted on payment cards. They are only one of many cost components included in a Merchant Discount Rate. Mastercard establishes its interchange rates, which are a necessary and efficient method by which Mastercard maintains a vibrant payments network. Learn more about Mastercard interchange rates Who do I call if I have a problem with my point-of-sale terminals? Contact your acquirer or payment facilitator if you have a question related to your terminals. Will I incur any cost to accept payments? Your acquirer/payment facilitator will provide you with information about costs. LAW ENFORCEMENT INQUIRIES I work in law enforcement and I'm investigating a fraud case, who can I speak with? Please email our Law Enforcement Support Center at Law_Enforcement_Support@mastercard.com. Please do not include full card numbers in email; provide only the first 6-digits of the card number. We will respond to your inquiry within 48 business hours. Please also be advised that Mastercard does not maintain accounts or establish individual customer relationships with cardholders. While banks ad financial institutions do issue cards branded with the Mastercard name and mark under a license from Mastercard, the actual relationship with a cardholder is solely that of the issuing institution. As a result, any account information is maintained by the bank or financial institution that issues the Mastercard card, and it is the bank or financial institution that also provides periodic statements, disclosures and communications to the cardholder. LOGO ARTWORK Where can I get Mastercard logos? Downloadable logo artwork and usage guidelines are available at the Mastercard Brand Center. You may also order decals from the Brand Center. LOST OR STOLEN CARD I no longer have my Mastercard, how do I report the card as lost or stolen? A Mastercard representative will be able to assist you in filing a lost or stolen card report. Please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. You should also contact the financial institution that issued your Mastercard. What liability do I have for unauthorized purchases made on a lost or stolen Mastercard? If Mastercard Zero Liability protection applies to your Mastercard, once you report your card to Mastercard as lost or stolen, no unauthorized charges should be posted to your account in most situations. We recommend that you review the next two billing statements after you report a lost or stolen card to ensure that no unauthorized transactions have been posted. If you see unauthorized transactions, please promptly contact the financial institution that issued your card. Typically, there is a customer service number for your financial institution listed on the back of the card or on your billing statement. You can also contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. How can I get a replacement card? Mastercard can assist you in receiving a replacement card by working with the financial institution that issued your card. Replacement cards require that your financial institution authorizes a new account number. To request an emergency card replacement, please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. Questions not answered here? If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, click here to submit your question. Lost or stolen card? Whether you're the victim of credit card theft, have lost your card or just need help locating an ATM, we're here to assist you 24 hours a day, 365 days a year. Call to speak with a representative regarding: * Lost or stolen cards * Emergency replacement cards * Emergency cash advances * How to locate an ATM that accepts Mastercard, Maestro and Cirrus brands * Questions about applicable card benefits Emergency Contact In the United States: 1-800-Mastercard (1-800-627-8372) Click here for a list of all emergency contact numbers. For locations not listed in our directory, you can call the following number collect to the United States: 1-636-722-7111. MASTERCARD NEARBY What is Mastercard Nearby? Mastercard Nearby is a mobile app that helps you quickly and easily find places where you can get access to cash or make a purchase. On which mobile devices is Mastercard Nearby available? Mastercard Nearby is available on the App store for iPhone and the Google Play store for Android phones, as well as the Windows phone store and the Windows store for a Windows PC or tablet. What type of locations can I find on Mastercard Nearby? * Find two million ATMs worldwide with 30 street level and 210 city level countries and territories * Locate your own bank's ATMs to make a deposit or avoid transaction fees * Find U.S. merchants that offer cash back at checkout when you make a purchase using your debit card * Search for U.S. locations where you can get or reload a prepaid card * Find out where you can use your contactless-enabled card or device to make a purchase. Apple PayTM enabled devices can be used at U.S. merchants wherever contactless is accepted What are cash back locations? Merchants that offer consumers the capability to get cash from their debit card when making a purchase. How do I use the app? It's simple; just select the services you want and the app will display locations near you--choose from list or map view. You can also search for locations by entering an address in the search field. Select a location to display information, share the location via e-mail or text and, depending on your location, get driving directions. You can also report a problem about a location from the app. What search filters are available? You can search for ATMs by financial institution name or look for ATMs with the following features: * Drive-through * 24-Hour Service * Wheelchair Accessible * No Surcharge - ATMs which participate in the Surcharge free alliance network and do not charge fees for cash withdrawal transactions * No Access Fee – ATMs which do not charge a fee for cards issued within the country * Deposit Sharing – Deposits can be made at any of these ATMs by cardholders of participating banks * Bank ATM – ATM located inside of a financial institution * Chip Reader Enabled – ATMs where credit and debit cards with chip and/or magnetic stripe can be used You can also search for participating Mastercard contactless and cash back merchants by merchant name or category including: * Apparel * Automotive * Convenience stores * Restaurants * Gas stations * Transportation * And many more Finally, you can search for Mastercard rePower locations by method for reload of funds: * Card Swipe method, which allows you to load funds in stores by asking the cashier to swipe your card. * MoneyPak or Vanilla Reload are reload packs that you can purchase and load funds onto your card by entering the voucher code online or by phone. * Western Union locations will ask you to fill out a form to initiate the load and an agent will load the funds onto your card. Do I need to have Location Services enabled in order to use the app? Location Services must be turned on in your phone settings if you would like the app to find locations near you. If Location Services is not turned on, you can still search for a location by typing a street address into the Search bar. I am trying to find locations in a specific country or region, but I am not finding any. Why not? Mastercard receives location information from financial institutions and directly from transaction data. If you do not receive any results in a particular country or region, the information is currently not available. We are continually working with financial institutions and merchants around the world to expand our location database and provide you with the most up to date and accurate location information. Why do all of the locations show up in the center of the city? We are continually adding street level mapping capability in new regions and territories. Street level mapping refers to geographic regions where location coordinates can be provided to street level precision. In countries where street level mapping is not yet available, location coordinates are provided at the city or postal code center. Why aren't driving directions available for my region? We are unable to provide driving directions in regions that do not have street level mapping capability. How can I find out how to navigate the app? Walk through the tutorial when you install the app for the first time or view the tutorial at any time. To access it from within the app, go to About - View Tutorial. What is the All tab on the top slider bar? When you select multiple services, by default you will be placed on the All view showing all services selected. If you wish to view only a single service at a time, use the top slider bar to move to a single service. What does a number pin on the map mean? A number pin indicates that multiple services are available at a single location. Why am I not getting any results when I type an address in the search bar? You may want to try putting in more address information such as street, city/town, state/province. You may also want to modify your radius in your settings to ensure you don't have too small or too large of a radius selected. Can I send location information? Yes, locations can be shared from the location detail page by clicking on the share icon. You can send location information via email or SMS text. How do I find my own bank's ATMs? Select ATM from the top slider bar and click the filter icon on the bottom bar. Then select the financial institution you want to search for from the drop-down list. How can I select specific merchants or categories? You can filter merchants for contactless and cash back locations. Select cash back or contactless from the top slider bar and click the filter icon on the bottom bar. You can filter by merchant name or category. How do I report a problem with a location? Go into the location details by clicking on a location from the map or list view. Select the report a problem icon. Select a pre-defined problem from the drop-down list or select other and enter a description of the problem. Can I change my search radius? Yes, you can select a radius between 1 to 25 miles or km in the app settings. PREPAID Where can I get a Mastercard Everyday Prepaid Card? It's easy to find the Mastercard Everyday Prepaid Card that's right for you. They are available at participating stores and online. Do I have to activate and register my prepaid card before using it? Activation and registration requirements vary, so check your card packaging for detailed instructions. To take advantage of the reload function and card benefits such as zero liability or card replacement, you will need to register your card. How do I use a Mastercard Everyday Prepaid Card? When you're ready to make a purchase, give the cashier your card or, if asked, swipe your card at the terminal. The purchase amount will automatically be deducted from the card balance. Where can I use my Mastercard Everyday Prepaid Card? You can use your Mastercard Everyday Prepaid Card anywhere that Debit Mastercard is accepted - that's millions of locations worldwide from retail stores to online, mail and phone orders. You can also use your card to pay bills online. My available card balance will not cover my purchase amount. Can I still use my prepaid card? Yes, just tell the cashier in advance how much to deduct from your prepaid card and how much you will pay using an alternate payment method. Note that this process, known as "split tender," may not be supported by all merchants. How do I return an item that was purchased on a Mastercard Everyday Prepaid Card? When you make a return, the cashier may ask to see your card. The value of the returned merchandise will be credited back to the card. I can't find my Mastercard Everyday Prepaid Card. What should I do? If you registered your Mastercard Everyday Prepaid Card, your issuer can use the information you provided during registration to issue a replacement card. Be sure to keep a record of the card number. Contact the issuer of your card immediately to report the lost or stolen card. You can also contact Emergency Services for additional assistance. Mastercard Everyday Prepaid Cards that have been registered include Zero Liability protection. Certain exceptions apply. Click here for terms & conditions for Zero Liability. How do I add funds to my card? After you register your Mastercard Everyday Prepaid Card, the best way to add funds to your card is to set up direct deposit of your paycheck. Take your card's direct deposit information to your employer to have your paycheck automatically put on your card each payday. Direct deposit information varies, so check your card packaging or contact the card issuer. You can also add money to your card at participating retail locations. Check your card packaging or contact the card issuer to find out which retailers are supported. Where can I get a Mastercard Prepaid Gift Card? Mastercard Prepaid Gift Cards are available at bank branches and retail locations, as well as online and via phone. There are many card styles to choose from, some of which can be customized with unique designs, the recipient's name and personal messages. It's easy to find the prepaid gift card that's right for you. I received a Mastercard Prepaid Gift Card. Do I need to activate or register my card before using it? Check your gift card, the receipt or related packaging for any specific activation instructions. Many Mastercard Prepaid Gift Cards sold in retail locations are automatically activated when the card is purchased. Call the customer service number on the back of the card if you have questions about how to activate the card. For online and telephone purchases, you may need to register your card with the card issuer. How do I use a Mastercard Prepaid Gift Card? When you're ready to make your purchase, give the cashier your card or, if asked, swipe your card. The purchase amount will automatically be deducted from the card balance. Where can I use my Mastercard Prepaid Gift Card? You can use your Mastercard Prepaid Gift Card anywhere Debit Mastercard is accepted - that's millions of locations worldwide from retail stores to online, mail and phone orders. You can also use your card to pay bills online. How long can I use my Mastercard Prepaid Gift Card? You can make purchases on your prepaid gift card until the value of the card has been depleted, or until the expiration date shown on the card. What happens if I need to return an item purchased using my Mastercard Prepaid Gift Card? When making a return, you may be asked to show the card that was used to make the purchase. The value of the returned merchandise will be credited back to your card. How do prepaid travel cards work? Prepaid travel cards work just like all Mastercard prepaid cards, which means you can spend up to the value placed on the card anywhere Debit Mastercard is accepted. You can shop in stores, online or over the phone. As you make purchases with the card, funds are immediately deducted from the available card balance. You can continue to use your card until the card balance has been depleted or until the expiration date shown on the card. You might want to check your card balance before you shop since the merchant or service provider may not be able to retrieve this information for you. How can I get the balance on my prepaid travel card? Depending on your card, you may be able to check your balance on the issuer's Web site. Certain merchants will also have the ability to read your card's balance for you. What if my card is lost or stolen? Contact the issuer of your card immediately to report a lost or stolen card. There is a customer service number listed on the back of the card. Be sure to keep a record of the Mastercard Travel Card number. Your issuer may need this information to cancel the card and issue a replacement. If you registered your Mastercard Travel prepaid card, it may provide Zero Liability protection. Certain exceptions apply. Click here for terms & conditions. What is Mastercard rePower? The Mastercard rePower Load Network is a service from Mastercard that allows you to add money your eligible Mastercard prepaid card at participating merchants. How does Mastercard rePower work? Simply visit a participating retailer with the cash you want to add. Some retailers support the card swipe method, which enables you to add funds in-store by asking the cashier to swipe your card. While other retailers sell reload packs, (e.g., Green Dot MoneyPak, Vanilla Reload Pack) that you purchase and add funds on your card by entering a code online or by phone. Western Union locations will ask you to fill out a form and an agent will load the money onto your card. How do I use the Mastercard rePower Merchant Locator? Click here to access the rePower Merchant Locator. Type in a city and state, or a zip code to search the thousands of retail locations for the one nearest you. You can further narrow down the list by providing a street address or a merchant's name. Retailers who support the card swipe reload method will have "Card Swipe" listed next to their names and those who enable Mastercard rePower reloads through the Green Dot® MoneyPak card will have "MoneyPak" listed. Retailers who support both card swipe and MoneyPak will have "Both". Can I reload any prepaid card at Mastercard rePower merchants? Reloadable Mastercard or Maestro prepaid cards are the only cards that can be loaded using the Mastercard rePower load network. You can find out if your card is eligible by looking for the Mastercard rePower logo on the back of your card or by contacting your card issuer. How do I get my Mastercard prepaid card balance? You can get your balance by following the instructions provided with your card. Generally, this includes either visiting the card issuer's Web site or by calling the phone number on the back of the card. How much does a Mastercard rePower reload transaction cost? Retailers may charge reload fees. Please refer to the fees section and also check with your local participating retailer for the most up-to-date information. Questions not answered here? If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. If you believe that your question can only be answered by Mastercard, click here to submit your question. REPLACEMENT CARD How can I get a replacement card? Mastercard can assist you in getting a replacement card by working with the financial institution that issued your card. Replacement cards require that your financial institution issues a new account number. To request an emergency card replacement, please contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. REPORT FRAUD I received an email/phone call from Mastercard about my account but it appears to be a scam or a phishing email. What should I do? A: Mastercard will never solicit personal or account information from a cardholder and we suspect that the information you received is fraudulent. Consumers should always safeguard their personal information and refrain from responding to suspicious email/phone scams. If you suspect fraud on your account, please contact your issuing bank immediately to report it. We would appreciate if you could forward the original email to stopit@mastercard.com. Someone called to offer a lower rate on my Mastercard but it seems to be a scam. What should I do? Mastercard does not contact individuals to request personal information including credit or debit card account information. If you received an unsolicited phone call, email, text or social media request from an individual claiming to be a Mastercard representative do not respond. Mastercard cardholders should always safeguard their personal information and not respond to any suspicious emails or inquiries. If you are a victim of a phishing attack and believe your account information may have been compromised, please contact the financial institution that issued your credit card or debit card to report the incident. I believe fraudulent purchases were made on my Mastercard credit card or debit card. How do I report it? If you believe that a transaction posted to your account is fraudulent, you should immediately contact the financial institution that issued your card. Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 1-800-627-8372 or collect at 1-636-722-7111. I know who committed fraud on my Mastercard credit card or debit card. How do I report it? If you believe that you have information about a person who has committed fraud by using your Mastercard without your permission, please contact the financial institution that issued your card. Contact information can be located on the back of your card or on a monthly billing statement. I believe someone has applied for a Mastercard credit card in my name. What should I do? Mastercard does not issue cards and we can't tell you if an account has been opened in your name. If you know the name of the financial institution, you should contact them immediately and cancel the account. Then you should notify each of the three credit reporting agencies: * Equifax - www.Equifax.com * Trans Union - www.TransUnion.com * Experian - www.Experian.com The credit reporting agencies should provide you with a copy of your credit report. Even if you do not see an unusual creditor on a credit report, you should formally write to advise them of the situation. For more information on credit reports, go to www.ftc.gov and select credit reports. There was a breach on my account and I received a new card. How can I get more information? A: Mastercard appreciates the concern and diligence you are taking to protect your finances. We take each card breach very seriously and work closely with investigative agencies. We encourage you to contact your financial institution for the most up-to-date information. Typically, there is a customer service number on the back of the card that you can call. How do I report potential fraud? If you possess contact information for someone who has committed fraud on a Mastercard account, please contact your merchant service provider for assistance in reaching the financial institution that issued the Mastercard account. SECURITY VULNERABILITY REPORTING PROGRAM - BUG BOUNTY PROGRAM What is Mastercard's policy when it comes to reporting security vulnerabilities? At Mastercard, safety and security are foundational principles central to every part of our company and the innovative technology platforms and services we enable. We know that secure products and services are essential to the trust that our customers, cardholders, merchants and other partners place in us. If you believe you have identified a security vulnerability, we encourage you to report this to us as soon as possible through our vulnerability reporting program. We will investigate all verifiable and legitimate reports and do our best to quickly fix the problem that you have helped us spot as quickly as possible. What platforms and vulnerability categories are in scope? Currently, the following platforms and vulnerability categories are in scope under our vulnerability reporting program (bug bounty program): Platforms * Mastercard.us * Priceless.com * Simplify Commerce Vulnerability categories * Cross-site scripting * Cross-site request forgery * Insecure direct object references * Injection vulnerabilities * Authentication vulnerabilities * Server-side code execution * Privilege escalation * Significant security misconfiguration (when not caused by user) What if I identify vulnerabilities or issues outside of these areas? Security is our top priority. We're relentless in securing our digital assets and welcome the opportunity to collaborate with the technology and cybersecurity research community. You can submit potential security vulnerabilities to security@mastercard.com. Please note that information provided through this email address is not eligible for compensation under our vulnerability reporting program. What is the reward process for reported vulnerabilities? Monetary rewards are offered to external security researchers if they identify an issue on one of the in-scope platforms. Compensation depends on the severity and impact of the identified issue. TELEPHONE OR EMAIL SCAM Someone called to offer a lower rate on my Mastercard but it seems to be a scam. What should I do? Please be advised that Mastercard does not attempt to contact individuals to request personal information including credit or debit card account information. If you receive an unsolicited phone call, email, text message or social media request from an individual claiming to be a Mastercard representative: DO NOT RESPOND. Mastercard cardholders should always safeguard their personal information and not respond to any suspicious emails or other inquiries. If you are a victim of a phishing attack and believe your account information may have been compromised, please contact the bank or financial institution that issued your credit or debit card to report the incident. TOKENIZATION What is tokenization? Tokenization is the process of replacing a card’s primary account number (PAN)—the 16-digit number on the plastic card—with a unique alternate card number, or “token.” Tokens can be used for mobile point-of-sale transactions, in-app purchases or online purchases. What are the benefits of tokenization? Tokenization reduces fraud related to digital payments by making transactions more secure by including a dynamic component with each transaction. It takes the security of a physical EMV chip and applies it to non-card environments including proximity, mobile and internet payments. Merchants benefit from more secure transactions, as well as faster checkout experiences, new payment acceptance options and more ways to sell. How do I ensure that I can accept transactions from eligible devices? Existing contactless terminals are compatible with tokenized transactions and no action is required. Mastercard offers merchants a free, optional service for a more secure in app payment acceptance called Digital Secure Remote Payment (DSRP). To use DSRP merchants must: * Contact their acquirer to ensure that they support DSRP * Integrate their mobile app with the digital wallet partner What is Mastercard’s role in the launch of digital wallets? The new digital wallets connect into Mastercard Digital Enablement Service (MDES), so participating issuers can enable secure mobile payments on millions of devices. What do these new digital payments mean for me? For consumers and merchants alike, every purchase made with a tokenized Mastercard debit, credit, prepaid or small business card using Android Pay, Samsung Pay or Apple Pay in the United States offers the enhanced security and benefits of a digital Mastercard transaction including secure tokenization technology. Will this affect the way that I identify new or returning consumers? Merchants that use card numbers to identify customers will not be able to recognize returning customers if it is the first time they are using their token since it appears as a new card number. However, when used again, merchants will be able to recognize the token associated with the consumer’s device. Do any of the digital wallets support my loyalty programs? Android Pay allows merchant loyalty program cards to be added and used at checkout. APPLY FOR MASTERCARD How do I apply for a MasterCard? Mastercard has created an online tool to assist in making decisions about which card products are available. Questions not answered here? If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center toll free at 800-0444-3895. If you believe that your question can only be answered by Mastercard, click here to submit your question. CLICK TO PAY FOR BUSINESS What is Mastercard Click to Pay? Mastercard Click to Pay provides a password-free online checkout option featuring advanced payment technology and intelligent security. Your consumers can look for the Click to Pay icon to experience the future of secure, convenient online checkout where Mastercard is accepted. Is Mastercard Click to Pay secure? Mastercard Click to Pay uses advanced payment technology and intelligent security that help recognize your consumers at checkout. It also leverages behavioral analytics and biometrics to confidently identify legitimate consumers in real time with reduced friction. For additional security, a one-time verification is always required to update personal information. Your consumers may need to provide a one-time verification code to access their Mastercard Click to Pay profile. How do my consumers create a Mastercard Click to Pay profile or add a card? There are several convenient ways to create a Click to Pay profile or add a card. Your consumers can: * Create a profile or add a Mastercard at mastercard.ae/clicktopay * Create a profile or add a Mastercard at checkout when they see the Click to Pay icon where Mastercard is accepted * Enroll through their bank when they see the Click to Pay icon * To add cards from payment brands other than Mastercard, visit that payment brand’s site directly. How and where do consumers use Click to Pay? This secure, convenient online checkout option is designed to work across devices and web browsers. Consumers can experience the future of secure, convenient online checkout by looking for the Click to Pay icon where Mastercard is accepted. They simply select the checkout button where they see the Click to Pay icon, select their card and complete the purchase. Which payment methods does Click to Pay support? Your consumers can use all Mastercard credit, debit and prepaid payment methods. Card usage and availability of other network cards may vary. However, each merchant decides which payment brands to accept. Is Click to Pay for online payments only? Yes. This new online checkout option brings Mastercard's security technology to online payments, so your consumers will feel as secure and confident paying online as they do in stores. Why should my consumers use Click to Pay? Mastercard Click to Pay features the latest security and payment technology so your consumers can check out quickly and securely without a password. Mastercard Click to Pay protects consumer payment information with multiple layers of security and provides a consistent, frictionless online checkout experience across all participating merchants. MERCHANT FAQS What are the benefits of implementing Click to Pay? Implementing Click to Pay can help increase your approval rates, leading to potentially higher conversion rates and a better consumer experience. How? Click to Pay creates a convenient, consistent online checkout experience. Your consumers will find a recognizable icon across merchants and devices, streamlining checkout. Also, they'll know their purchases are protected by advanced payment technology – with no need to remember a password. How much does Click to Pay cost? Click to Pay is free for your consumers, but merchant development costs may apply. How is Click to Pay different from other online payment solutions? Click to Pay is a faster, smarter way to pay that takes the hassle out of paying online, letting your consumers securely access their information at checkout – without a password. Instead, this innovative checkout option uses advanced payment technology and intelligent security that works across channels and devices. ISSUER FAQS How can I offer Click to Pay to my consumers? Click to Pay is designed to work with major payment methods across credit, debit and prepaid cards. How does Click to Pay help financial institutions? Click to Pay helps financial institutions better manage authentication and risk by leveraging EMV standards to make online payments more secure. Click to Pay also deepens consumer relationships by empowering your consumers to take control of their stored online payment credentials through your mobile banking app or website. Your consumers can experience the future of secure, convenient online checkout by looking for the Click to Pay icon where Mastercard is accepted or by visiting mastercard.ae/clicktopay CLICK TO PAY FOR CONSUMER What is Click to Pay? Click to Pay is Mastercard’s better way to pay online – featuring advanced payment technology built on industry standards and intelligent security from Mastercard. You can experience the future of secure, password-free checkout by looking for the Click to Pay icon where Mastercard is accepted. Why should I use Click to Pay? Click to Pay is Mastercard’s faster and smarter way to pay online – no more passwords to remember or accounts to create. No more passwords Take the hassle out of paying online. Smart security Intelligent security helps recognize you at checkout. Stay in control Store payment information securely in your Mastercard Click to Pay profile so it's there when you need it. How can I create a Mastercard Click to Pay profile or add a card? There are a few ways to set up a profile or add a card: Create a Click to Pay profile or add a Mastercard at mastercard.ae/clicktopay Add a Mastercard to Click to Pay during checkout. Enroll through your bank. To manage cards and profiles with other payment brands (like Visa or American Express), visit their websites. Where can I use Click to Pay? Check out with Click to Pay when you see the icon and the Mastercard logo. Is Click to Pay for online payments only? Yes, this new way to pay brings Mastercard security technology to online payments. Now you can feel as secure and confident paying online as you do in stores. Which payment methods can I use for Click to Pay? You can use all Mastercard credit, debit and prepaid payment methods. However, each merchant decides which payment brands to accept. Please check with your bank or preferred payment brand for availability. How can I securely access my Mastercard Click to Pay profile without a password? Passwords can be lost or stolen. Mastercard Click to Pay uses advanced payment technology built on industry standards and intelligent security to ensure that you, and only you, are accessing your profile. If you're a remembered user, you'll be recognized at checkout – no password required. If you’re not a remembered user, enter your user ID – the email address associated with your Click to Pay profile – to receive a one-time verification code. This will allow you to access your Click to Pay profile and check out securely in just a few clicks. For additional security, verification is always required to update personal information. You may also need to provide verification if there is unusual activity with your Click to Pay profile. Why aren’t all of my cards listed in my Mastercard Click to Pay profile? You can only manage your Mastercards at mastercard.ae/clicktopay. If you would like to manage cards with other payment brands (like Visa or American Express), please visit their websites to enroll or add cards. What does selecting "Remember me" do? The Remember me option gives you quick access to your Mastercard Click to Pay profile and helps you check out faster. If you're remembered on a device/browser, you'll be recognized and remembered at checkout as long as you use the same browser and don't clear your browsing data (cookies). If you do not select Remember me, you'll have to manually enter your user ID and a verification code every time you want to access your Click to Pay profile or check out. You can manage which devices remember you by accessing Settings, then Remembered Devices in your Mastercard Click to Pay profile. Where can I manage my Mastercard Click to Pay profile outside of checkout? You can manage your Mastercard Click to Pay profile at any time by visiting mastercard.ae/clicktopay. After accessing your Click to Pay profile, you can: * Add/delete a card * Add/delete a shipping address * Edit your phone number * Manage browser and device connections * Delete your Mastercard Click to Pay profile How do I change my user ID if I made a mistake during enrollment? For your security, you cannot edit your user ID – the email address linked to your Click to Pay profile. You'll need to delete your current profile with the wrong email address. Then, you can create a new Click to Pay profile with your Mastercard and the correct email address as your new user ID. How do I edit a card? To update a card, delete it from your Click to Pay profile. Then add your card as a new payment method with the updated information. What do I do if Click to Pay is not working? If Click to Pay is not working or you cannot select the Click to Pay icon, please contact the merchant where you are trying to check out. How do I delete my Mastercard Click to Pay profile? Visit mastercard.ae/clicktopay, select View profile and delete your Mastercard Click to Pay profile. You can delete your profile information from Mastercard Click to Pay by signing in to your profile at mastercard.ae/clicktopay. In your profile, click on the menu in the top right-hand corner. Choose Settings and then choose Manage profile. If you change your mind, you will need to create a new Click to Pay profile. To manage cards and profiles with other payment brands, visit their websites. CO-BRANDED CARDS What is a co-brand card program? A co-brand program is a partnership that brings together Mastercard, a Mastercard-issuing financial institution and a suitable partner company wishing to grow its business. The three parties work together to create a card program that is then marketed to the partner company's customer base. A co-brand card is a form of payment that offers added value to the partner's customers. What kinds of businesses have successful co-brand programs? Many different industries have successfully implemented co-brand programs including airlines, gas companies, automotive companies, warehouse clubs and supermarkets. One thing these companies have in common is a growing base of customers who purchase products or services on a recurring basis. Who is responsible for promoting a co-brand card? The level of support provided and the degree of responsibility for designing and implementing the solicitations and card promotions will depend on the agreement reached between the partner and the card issuer. Mastercard has many different levels of support and expertise available to help a company market its co-brand card and grow its business. What does a Mastercard co-brand card look like? Mastercard rules permit the partner's logo to be a dominant feature on the face of the card. The cards also carry the Mastercard logo and must conform to certain Mastercard design standards. The name of the Mastercard issuing financial institution may appear, but it is not required. This and other card design details will be determined by the partner and the card issuer. How do I find an issuer for a co-brand alliance? The first place to begin is with a bank or financial institution with which your company already has a relationship. Or, Mastercard can provide a list of potential financial institutions from among the thousands we have done business with over the years. What role does Mastercard play in developing a co-brand program? That depends on the goals and budget of the partner company. However, Mastercard has a dedicated staff of highly experienced co-brand specialists who can help a company evaluate and establish a co-brand partnership that will meet the objectives of all parties involved. MASTERCARD SEND What is Mastercard Send? Mastercard Send is a first-of-its-kind interoperable global platform that enables funds to be sent quickly and securely via three payment flows: * Disbursements - payments from governments, businesses, and non-profits to consumers * Domestic P2P - payments between two consumers in one location * Cross-border P2P - payments between two consumers in different locations Why is Mastercard offering these services? In the U.S., Disbursements and P2P payments make up $4 trillion per year; most of these payments are made via checks, ACH transfers and cash. Currently, the methods for these payments are slow, lack ubiquity and create security concerns. Consumers want to be able to send and receive money using their connected devices regardless of where they bank and disbursers are looking for cheaper and more efficient ways to send money to their consumers. In line with Mastercard's vision to build a World Beyond CashTM, Mastercard Send aims to make payments easier, safer and more efficient for all parties. How does a Send transaction work? While most electronic P2P and Disbursements' solutions rely on slow, batch-oriented ACH methods, the Mastercard Send solution leverages debit networks to move funds, typically within seconds. Mastercard Send is unique: funds can be transferred to virtually all debit cards in the U.S. and, in most cases, funds can be transferred typically within seconds. Through a set of APIs, a service provider can request a transfer through a sending acquirer, which Mastercard then routes to any U.S. bank account via a debit card regardless of the brand. What cards are eligible for Mastercard Send transactions? Currently, the service is only available for U.S. consumer debit and reloadable prepaid cards. However, the MoneySend mandate includes all consumer cards: debit, credit and prepaid. Mastercard recommends that issuers support all cards when migrating to Transaction Code 28 to prepare for future service enhancements. What role does an issuer play in a Send transaction? One role that issuers play in a Send transaction is as receiving institutions. In this role, issuers are required to post funds to their cardholders' accounts. When a service provider sends funds to a debit account using Transaction Code 28, the issuer of the receiver's debit card is paid a share of network fees. Once an issuer has complied with the MoneySend mandate to enable Transaction Code 28, they will be eligible to start collecting these fees. For more information on the mandate, see Global Operations Bulletin No. 2 (February 2, 2014). Can an issuer use Mastercard Send for a P2P program? An issuer could offer P2P payment services by leveraging the Mastercard Send API to allow their cardholders to send and receive payments with their friends and family. While Mastercard Send is a critical part of a P2P program, interested issuers should consider the other necessary implementation measures and development requirements. These considerations should include: customer acquisition costs, receiver management requirements for users without accounts at a bank, the necessary user interfaces for a standalone or integrated mobile application, among other considerations. How does Mastercard Send differ from MoneySend? Mastercard Send is the first-of-its-kind interoperable global platform that enables funds to be sent quickly and securely. In the U.S., it will enable disbursements and P2P payments to and from nearly any U.S. debit card account, including non-Mastercard debit cards. MoneySend is the Mastercard transaction type (Transaction Code 28) designed for real-time money transfers by issuers connected to the Mastercard network. SECURE CODE What is Mastercard® Identity Check and how does it impact SecureCode? Mastercard Identity Check is our new and improved payment authentication program based on the payment industry specification - EMV 3-D Secure. SecureCode customers are encouraged to transition to Identity Check to take full advantage of the superior program benefits. As the transition takes place, you will progressively see Identity Check information replacing SecureCode. What is Mastercard® SecureCode? Mastercard SecureCode is a service to enhance your existing Mastercard credit card or debit card. With a private code - similar to a PIN - you get protection against unauthorized use of your card when you shop at participating online retailers. How does Mastercard SecureCode work? Once you've registered and created your own private SecureCode, you'll be prompted to enter your code when you shop with a participating online merchant. Your SecureCode will be quickly confirmed by your financial institution and your purchase will be complete. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM. What should I do if I can't remember my SecureCode? If you forget your code, you may be prompted to reset it, or you can contact the customer service number for your financial institution, which is typically found on the back of your card. TRANSACTION DISPUTE How can I dispute a charge? Please contact the financial institution that issued your card to dispute a charge. Only your issuer holds your specific and unique information including what rights you have to file disputes. The dispute process agreed to by financial institutions that issue Mastercard or process Mastercard transactions is set up to allow the financial institutions to manage disputes with cardholders and merchants in a formal manner. Who do I contact if I never received an item that I purchased online or by phone? If you did not receive an item that you purchased or if you received an incorrect item, you should first contact the merchant to try to resolve the situation. If you can't come to an agreement and you want to dispute the transaction, this must be done directly with the financial institution that issued your Mastercard. Typically, there is a customer service number for your financial institution on the back of the card. You can always contact the Mastercard Assistance Center either toll-free at 800-0444-3895. I made a purchase but received the wrong item. What should I do? If you purchased an item but received the wrong one, please contact the merchant to try to resolve the situation. If you and the merchant cannot resolve the issue, and you want to file a disputed transaction, this must be done directly with the financial institution that issued your Mastercard. Typically, there is a customer service number for your financial institution on the back of the card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 800-0444-3895. How do I get a refund from a business that has filed bankruptcy? If you used a Mastercard for a purchase from a business that has filed for bankruptcy, you can file a disputed transaction with the financial institution that issued the card. Typically, there is a customer service number for your financial institution on the back of your card card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 800-0444-3895. What should I do if the financial institution that issued my Mastercard says that Mastercard denied my dispute? If your dispute case was denied, the financial institution that issued your Mastercard will be able to explain the reason. Typically, there is a customer service number for your financial institution on the back of your card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 800-0444-3895. Questions not answered here? If your question is not listed, your best option is to contact the financial institution that issued your account as only they hold account specific and unique information. Typically, there is a customer service number for your financial institution on the back of the card that you can call. You can always contact the Mastercard Assistance Center either toll-free at 800-0444-3895. -------------------------------------------------------------------------------- Home | NEED HELP? WE’RE ALWAYS HERE WHEN YOU NEED US Get Support Report a lost or stolen card Find ATM FAQs COMPANY Who we are Careers Newsroom Investor Relations Binding Corporate Rules Interchange Fees MASTERCARD SITES Mastercard Data & Services Mastercard Brand Center Mastercard Developers Priceless.com Center for Inclusive Growth -------------------------------------------------------------------------------- © 1994-2024 Mastercard. 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