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API Solutions
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Virtual Card Number(s)
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Mastercard Pay with Rewards™
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API SOLUTIONS




THE TOOLS YOU NEED

Build world-leading services into your business, covering payments, data, fraud,
identity, loyalty, consulting and more.
Fintech Express
FINTECH EXPRESS

The Fintech Express program helps all fintech companies issue cards and
credentials.
Things move quickly in the world of fintech and you have to be fast to keep up.
Whether you’re a fintech startup getting ready to launch or an established
fintech player seeking to add a card program, we will help to get you going.
GET UP AND RUNNING QUICKLY

Fintech Express supports fintech builders by making it simple to launch new card
programs.
Through Fintech Express we provide adaptable licensing frameworks through a
single point of contact who has in-market experience and best practices, with
the benefit of a global network of experts to help you scale.
Our unique approach ensures fintech companies can become card issuers in record
time. With a focus on speed, our tailored approach for fintech companies means
they can accelerate program launches and process complexity.
GET CARDS INTO CUSTOMERS’ HANDS IN RECORD TIME

Whoever you are, with Fintech Express you have a partner that can take your
business to new places by helping you issue prepaid, debit and credit cards.
ACCESS

For regulated fintechsAre you a fintech that wants to issue cards and
credentials to your customers? Fintech Express can help you get up and running
quickly. In order to issue cards as a regulated entity you can become licensed
and integrated within the Mastercard network. We support you with streamlined
onboarding and a flexible commercial framework.
CONNECT

For non-regulated fintechsIf you are an unregulated fintech company, connect
with our qualified Express issuance partners who are part of our Engage program.
You can accelerate your card program rollout by partnering with a qualified
Express partner. Select a turnkey solution from across our product lines and
launch your own branded solution.
BUILD

For fintech enablers (processors and BIN sponsors)For fintech enablers, becoming
an Express issuance partner connects you with fintechs that need your services.
By partnering with Mastercard you can launch new programs for your fintech
customers in record time. Use our optimized registration process and commercial
framework to launch innovative programs.
Installments
INSTALLMENTS

The new Buy Now Pay Later program that meets the needs of lenders, merchants and
consumers, offered at scale across the Mastercard network.
MORE EASILY BUILD YOUR BUY NOW PAY LATER EXPERIENCE (BNPL) STRATEGY

Mastercard Installments can help banks, lenders, fintech companies, BNPL players
and wallets see a faster path to market without the cost of building acceptance
relationships merchant by merchant. Backed by the security and peace of mind
that comes with Mastercard.
Simply put, more flexibility for the consumer can add up to increased sales for
merchants.
THE FUTURE OF BUY NOW PAY LATER IS IN THE NUMBERS

Consumers are looking for flexible ways to shop and pay that are tailored to
their needs.

Flexible solutions, powerful results
Mastercard Installments helps lenders, merchants and fintech companies more
easily build seamless Buy Now Pay Later (BNPL) experiences to reach a new set of
customers, without the need for a new debit or credit card.
Find new customers
Reach new audiences by allowing consumers to split up payments, including a pay
in four installments, interest-free option.
Enhanced experiences
More easily offer a seamless, digital BNPL experience
Wide acceptance
Accepted across the Mastercard network and can be instantly used online and in
stores.

Open Banking
OPEN BANKING

Stay connected, protected and informed
MEET CUSTOMER EXPECTATIONS

Payments are evolving, with open banking clearing the way for more third-party
solutions. Consumers are demanding financial empowerment, and businesses need
reliable data, high
THE MASTERCARD APPROACH

We’re building the future of open banking, empowering consumers and businesses
to use their financial data to transform their money experience. Our tools build
innovative solutions for our partners that go beyond payments, building
financial inclusivity, ensuring greater transparency, and putting the consumer
at the center of control. More than meeting expectations, we’re fostering
financial inclusion with technology that helps consumers build credit and gives
them and small businesses immediate access to capital.
These products are available in the U.S. and provided by Finicity, a Mastercard
company.
LEND

Fair Credit Reporting Act compliant data for lending decisions and
verifications. High-fidelity data giving a full picture of borrowers, with
digital verification and security and a greater reach of segments.
Assets
Bank validated insights into a borrower’s financial assets across banks
Income
Confidence scores for two years of income history across accounts
Employment
Paystubs matched and verified in real-time with bank validated deposit streams
Transactions
Access transaction history – balance, investment position, pending transactions,
etc.
Statements
One-time pull to download bank-branded account statements as PDFs
Cashflow
Extensive cash flow data and attributes to help analyze a borrower’s position
Scoring attributes
Attributes and analytics to credit or inform credit scoring models
MANAGE

Build an accurate picture across accounts and better understand balances, loans
and investment positions. Real-time insights and rich data provides better
targeting and cross-sell opportunities.
Transactions
Access transaction history – balance, investment position, pending transactions,
etc.
Account History
Up to two years of transaction history as a one-time data pull
Statements
One-time pull to download bank-branded account statements as PDFs
PAY

Reduce risk and fraud with more identity info. No micro-deposits, lower risk of
overdrafts, real-time balance checks and a reduced non-sufficient funds fee.
Account Details
Reduce risk and fraud with more identity info. No micro-deposits, lower risk of
overdrafts, real-time balance checks and a reduced non-sufficient funds fee.
Account Owner
Return an account owner’s name and address with a one-time pull
Balances
Protection from failed payments and fees with a simple account balance check
These products are available in Europe.
OUR OPEN BANKING SOLUTIONS ENABLE COMPETITION AND INNOVATION IN FINANCIAL
SERVICES

FCRA-compliant data for lending decision and verifications. High-fidelity data
giving a full picture of borrowers, with digital verification and security and a
greater reach of segments.
Connect
Provides third parties with a universal connection to financial institutions'
Open Banking functionality, regardless of their API standard or implementation.
It reduces the set-up time and complexity of registering with multiple financial
institutions, enabling service providers to focus their resources on developing
innovative and impactful value propositions.
Protect
Open Banking Protect provides account servicing payment services providers
(ASPSPs) with near real-time protection against unauthorized third-party
providers (TPPs) trying to gain access to their customers' accounts.
Payment Gateway Services
PAYMENT GATEWAY SERVICES

Access more than 190 acquirers around the world with our API-powered gateway
platform – a single connection to our growing catalogue of products and
services.
A WORLD OF CONNECTIONS.

Mastercard Payment Gateway Services helps you grow by handling costly and
time-consuming payment functions. Become a one-stop-shop for your merchants with
a growing list of services, giving their consumers the convenience they want
with the simplicity and security they need.
OUR GATEWAY, YOUR BRAND

Mastercard Payment Gateway Services provides merchants with the reach, resource
and security to compete in the new world of digital payments.
White label
Keep your brand in front of customers with our single, flexible solution
Speed to market
Capturing market share is fast and affordable using our investment in
infrastructure
A global partner
Grow your business beyond borders with the advice and expertise of a dedicated
partner
SUPPORT ACROSS THE PAYMENT ECOSYSTEM

Payment processing
Fast, reliable and secure payment technology
PCI management
Remove sensitive cardholder data from customer systems
Payment methods
Range of local payment methods worldwide
Tokenization
Reduce PCI compliance effort and cost with secure payment tokens
SME solutions
Deliver a true e-commerce solution to SMEs
EMV 3DS
Chip and PIN equivalent security for online transaction
COMPETITIVE ADVANTAGE

Mastercard has representatives in 70+ countries and a global network of
acquirers 190+ strong. Together we have the boots-on-the-ground expertise you
need to navigate the local payments landscape as it evolves. Our local acquirer
relationships and S2I integration capabilities let you optimize approvals and
meet requirements as well as boost approval rates. Merchants also enjoy
flexibility in acquirer pricing, with the option to negotiate with local
acquirers.
SUCCEED ACROSS FIVE KEY AREAS

Efficiency
Ease complexity and manage costs with a single global gateway relationship
Futureproofing
Keep pace with the latest in digital payments with easier adoption of new
technologies
Flexibility
Choose from multiple acquirer relationships and switch easily without extra
integration
Operational management
World-class back office management and reporting
Control
A single gateway giving you access to a world of solutions
Online Marketplaces
ONLINE MARKETPLACES

Streamline payments, optimize risk, and unlock value
YOUR TRUSTED MARKETPLACE PARTNER

Connecting third party sellers and consumers through their online platforms,
marketplaces make up more than 60% of global eCommerce sales and have been
outpacing worldwide eCommerce growth in the past years. They have varied needs
along the value chain and focus on sustaining growth while providing the
best-in-class experience for sellers and consumers alike.
Mastercard provides a suite of innovative and secure solutions to support online
marketplaces throughout their ecommerce journey from local to global platforms.
Many established and emerging marketplaces use Mastercard’s world-class products
to streamline payments, improve the overall eCommerce experience and enable
further expansion and growth.
OUR VALUE PROPOSITION

Our marketplaces solutions are differentiated through our suite of products and
services designed for flexibility and scalability, and through our global
strategic guidance and support.

Flexibility
Our solutions are modular and delivered through world-class APIs, resulting in a
la carte, fast and easy integration.

Scalability
Along with our scalable could-based and API-driven infrastructure, our global
reach and scaling up support will prepare you for further expansion and growth.

Expertise
Since technology alone is no guarantee for success, we make sure to add value
every step of the way through our strategic guidance and our wide network of
reliable ecosystem partners.
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🏚
API Solutions
💳
Virtual Card Number(s)
🛒
Mastercard Pay with Rewards™
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