The ubiquity of connected devices is changing the way consumers pay.
We're answering the call from consumers who are seeking better ways to pay -- through our contactless technologies that make transactions faster; the mobile solutions we power like Google Pay™, Apple Pay™ and Samsung Pay; or the tokenization services we provide through Mastercard Digital Enablement Service.
We make it possible for people to pay with any payment card, anywhere, on any device - through a simple click, tap or touch. Mastercard is your best digital payments partner.
- Our digital payments strategy is centered on choice - developing an array of open, flexible products to meet issuer, merchant and consumer needs.
- Our strategy is robust and future proof, with a consistent and focused view of how digital payments should evolve.
- Our focus on security including industry leadership in EMV is second to none.
Mastercard Digital Enablement Service
What it is
- The service allows issuers and merchants to manage tokenization and digitization to create EMV-like security for every transaction. It gives cardholders the choice and peace of mind to make more secure digital payments from a variety of connected devices through a tap, touch or click.
How it works
- Creation: The card's primary account number (PAN) is replaced with an alternate card number called a token
- Storage: The tokenized card details are delivered to the mobile device through a process called digitization
- Usage: A mobile device is enabled for more secure payments
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Commerce for every device
Mastercard Digital Enablement Express
A scalable solution for issuers and digital players so that consumers can use their cards when, where and how they want. Express expedites the process of digitizing and tokenizing Mastercard accounts through the Mastercard Digital Enablement Service (MDES). With Express, Mastercard partners - digital wallet providers, device manufacturers, card on file merchants and other digital payment providers - have a simple onboarding process to engage with all participating banks.
The benefits of Express
Simple to Scale
- Your tokenized cards are automatically available to new digital partners that also enroll in the Express program
- When new digital partners join the program, you're able to scale without negotiating separate bilateral agreements
- All digital partners must meet program requirements based on EMV and tokenization standards
Fast to Market
- We help make it simple to activate your digital payment strategy with fast track channel activation
Have questions about tokenization and digital payments?
Driving convergence with cloud-based payments
Mastercard Cloud-Based payments digitizes card credentials via Host Card Emulation when there is no Secure Element in the mobile device. For consumers, this helps provide more secure ways to pay across various devices, plus a more streamlined in-app and online checkout process.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
Google Pay is a trademark of Google LLC.