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Q: How do I apply for a Mastercard?

A: Mastercard does not issue cards directly to consumers, please contact a financial institution to apply for a Mastercard product. 

Q: Questions not answered here?

A: 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.

Q: The ATM wouldn't accept my card. What should I do? 

A: If you had a problem using an ATM, please contact the bank that issued your card for assistance.

Q: Can I pay my billers who accept Mastercard directly from this site?

A: No. To pay a bill, please visit your biller's Web site for instructions on how to provide payment to them.

Q: Do I have to pay a fee for bill payment using a Mastercard?

A: 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.

Q: How do I pay a bill with a Mastercard?

A: Please contact your biller to make an electronic payment. Many provide this payment option through their Web sites or by phone. 

Q: How often can I make automatic bill payments, and when do bills get paid?

A: Automatic bill pay is an arrangement you make with your selected biller or service provider(s), so you will need to contact each other directly to arrange payment amounts and schedules. Each biller has its own procedure for automatic bill payment. 

Q: Is there a limit to the number of automatic bill payments I can have on a Mastercard?

A: 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.

Q: Who issued my card?

A: You will find your card issuer's contact information on the back of your Mastercard and on your billing statement.

Q: Which cards can I use to pay bills?

A: 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.

Q: What is automatic bill payment?

A: 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.

Q: What is manual bill payment?

A: 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.

Q: If I enroll in automatic bill payment, will I continue to receive a bill?

A: 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 schedule. 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.

Q: What information will the service provider/biller request?

A: 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 schedule.

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.

Q: What if my Mastercard account information changes?

A: 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.

Q: What if I want to stop an automatic bill payment?

A: 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.

Q: What if I don't agree with a payment amount made to a biller/service provider on my Mastercard statement?

A: 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 Liability Protection* coverage. Exceptions apply.

Q: What are the benefits of bill payment using a Mastercard?

A: Using your Mastercard is much faster and more convenient than writing checks. You can initiate payments at any time 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.

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Q: What card benefits and insurance are provided at no cost to me with my Mastercard?

A: 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 your issuing bank.

Q: What happens if I lose an item that I purchased with a Mastercard?

A: 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 contact your issuing bank.

Q: How can I find out more about my card benefits?

A: 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 your issuing bank.

Q: Questions not answered here?

A: 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.

Q: How can I get the name of the merchant where my card account was compromised?

A: 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.

Q:  What is cash with a purchase?

A:  Cash with purchase is a service offered by select retailers that allow consumers to get cash from their debit card when making a purchase.

Q:   Is there a fee for this service?

A: Although the majority of retailers do not charge for this service, there are some locations that charge a fee.

Q:  What is the advantage of getting cash at purchase?

A:  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. 

Q:  Is there a maximum amount of cash I can get with my purchase?

A:  The amount of cash available may vary by merchant and may be subject to the 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 the availability of funds in the account that is linked to your debit card.

Q: What is an EMV chip card, and how can this technology help my business?

A: 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.

Q: What are chip cards?

A: 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.

Q: What are the benefits of the chip?

A: 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.

Q: Who do I contact if I want more information?

A: For more information about your chip card, please contact your financial institution.

Q: How does the chip work?

A: 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.

Q: How do I know if my chip card has Mastercard contactless?

A: 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.

Q: Why does my credit card have a PIN?

A: 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.

Q: What is Mastercard contactless?

A: Mastercard contactless is like having exact change wherever you go. A simple tap of your card, key fob, or smartphone is all it takes to pay at checkout.

Q: Why should I use contactless?

A: 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.

Q: Where can I make contactless payments?

A: 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.

If you don't see the symbol, your contactless-enabled card can still be used by inserting your chip card or swiping at checkout.

Q: How do I pay with Mastercard contactless?

A: To make a purchase, simply tap your Mastercard contactless card, key fob, or smartphone on the payment reader at the checkout of participating retail locations.

Q: Can I use my contactless card or device on payment readers that don't display the contactless logo?

A: 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 contactless key fob or smartphone in a magnetic stripe reader.

Q: How close does the "tap" have to be to the checkout reader?

A: 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.

Q: How will purchases appear on my monthly statement?

A: Purchases made with contactless will be displayed on your statement just like any other purchase you make with a card.

Q: How does it work?

A: 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 a payment confirmation and be on your way.

Q: What is a key fob or payment tag?

A: 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. 

Q: Do I have to treat my Mastercard contactless card or device in any special way?

A: 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.

Q: Is there a battery?

A: No, there is no battery.

Q: Do I need to turn it on/off?

A: If you have a contactless-enabled mobile phone, you can turn it on or off. If you are using a contactless card or fob, it is always on and ready to use.

Q: Is it safe?

A: Yes. Contactless payments provide secure encryption technology and 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

Q: Why aren't signatures required?

A: 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.

Q: What do I do if my contactless card or device has been lost or stolen?

A: If you have lost your card or suspect unauthorized activity on your account, contact the financial institution that issued your card immediately.

Q: I would like to be removed from the contactless locator. Who can I contact?

A: Merchants who wish to decline participation may contact the Location Services Call Center and provide the following:

  • Merchant representative or contact name
  • Name of the business (i.e., "Doing Business As" name)
  • Business location or address to be removed (one or more)
  • Telephone number or email address for call back confirmation

Location Services Call Center
location_services@mastercard.com
1-636-722-4050 (other )

Q: Questions not answered here?

A: 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.

Q: How does this "non-verified" transaction change the payment guarantee for the merchant?

A: The use of Mastercard contactless does not change the payment guarantee for merchants. Existing rules in place for the product/merchant category in which the transaction takes place continue to apply when contactless technology is used.

Q: What costs are involved?

A: To accept contactless payments, merchants can implement either a plug-in peripheral reader or a fully integrated system. Costs will vary depending on the selected solution.

Q: What type of technology is used for contactless?

A: In keeping with our overall strategy to create globally interoperable payment solutions, Mastercard contactless was built following an open industry standard for radio frequency communications - ISO 14443.

Q: What types of merchants will benefit the most from Mastercard contactless?

A: Mastercard contactless is an excellent choice for environments where speed and convenience are important and cash is the dominant payment method. Examples of this are fuel pumps, quick-service restaurants (QSRs), drive-thrus, convenience stores, vending machines, toll booths, taxis, and parking venues, among others.

Q: Where can I find exchange rate information?

A: 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

Q. 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 location you are visiting, please visit our website for the latest currency exchange rates.

Q: How is currency conversion charged to my account?

A: 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.

Q: I made a purchase in my local currency, so why was I charged a currency conversion fee?

A: 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.

Q: Questions not answered here?

A: 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.

Q: How do I begin accepting Mastercard?

A: 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

Q: How can I accept e-Commerce payments?

A: 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.

Q: How can I download the Mastercard brand mark for use on my Web site?

A: Electronic versions of the Mastercard brand mark are available from the Mastercard Brand Center for download.

Q: Questions not answered here?

A: 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.

Q: How can I apply for a Mastercard?

A: If you already have a deposit account with a bank, you might want to contact them first to see if they can provide you with a Mastercard.

Q: Are there any programs that will help to grow my business?

A: Yes, Mastercard has programs designed to grow various types of businesses.

Q: How does the payment process work?

A: Let's review the payment process.

Q: What are the benefits of accepting Mastercard?

A: 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 Singapore dollars, that's how you'll be paid.

Q: How do I start accepting card / digital payments?

A: Find what you will need to start accepting electronic payments.

Q: What's the difference between an acquirer and a payment facilitator?

A: A payment facilitator is a merchant of record who facilitates transactions on behalf of a sub-merchant. An acquirer is a bank or financial institution that processes credit and/or debit payments for a merchant.

Q: What's an acquirer and why do I need one?

A: 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.

Q: What's an interchange rate?

A: 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

Q: Who do I call if I have a problem with my point-of-sale terminals?

A: Contact your acquirer or payment facilitator if you have a question related to your terminals.

Q: Will I incur any cost to accept payments?

A: Your acquirer/payment facilitator will provide you with information about costs.

Q: I'm a merchant. What is Mastercard Identity Check?

A: Mastercard Identity Check is a global program designed to provide online merchants with the added security of having issuing banks authenticate their cardholders when shopping.

- By participating in Identity Check merchants can benefit from the liability shift (from merchant to issuer) which provides protection against "cardholder unauthorized" or "cardholder not recognized" chargebacks. Such protection is designed to reduce your chargeback exposure, losses, and processing expenses.

- When you implement Identity Check, consumer confidence increases, making your customers more likely to make an online purchase from you.

Q: I'm a consumer. What is Mastercard Identity Check?

A: Mastercard Identity Check is a service to enhance your existing Mastercard credit card or debit card and gives you an additional layer of security that may protect you against unauthorized use of your card when you shop at participating online retailers. This service is provided by your card issuing bank.

Q: How does Mastercard Identity Check work?

A: Identity Check works with your existing Mastercard account and it is easy to use. Identity Check helps protect against unauthorized use of your card when you shop online.

Look for the Identity Check logo at participating merchants. When you make a purchase at a participating merchant, during the check-out process you may be prompted by your card issuer to identify yourself to ensure you are the person making the transaction. You may receive a one-time code via text message or some other method. This information is not shared with the merchant, it is between you and your card issuer. Check with your card issuing financial institution to participate in Identity Check. They will provide you with the information needed to identify yourself during the purchase.

Q: How does Mastercard Identity Check protect me?

A: When you correctly enter your Identity Check when making a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase will be completed. If an incorrect Identity Check is entered, the purchase will not go through. 

Q: Will I have to get a new card to use Identity Check?

A: You will be able to use any of your existing Mastercard credit or debit cards, as long as the cards are from a participating financial institution.

Q: How many cards can I register with Identity Check?

A: We encourage you to register all of your Mastercard cards. There is no limit to how many cards you can register.

Q: Can two people with a joint account use the same password or should they register for Identity Check separately?

A: Enrollment is at the account level so the password must be shared.

Q: What should I do if I can't remember my Identity Check?

A: You may be prompted to reset your Identity Check or you can contact the customer service number for your financial institution, which is typically found on the back of your card.

Q: What if my Identity Check fails or I receive an error message?

A: You should contact the customer service number for your financial institution, which is typically found on the back of your card. Tell the customer service representative the message that you received.

Q: What if I did not receive an SMS/Text message with my Identity Check PIN?

A: If your financial institution uses SMS/Text messages for Identity Check authentications, you will need to contact the customer service number for your financial institution, which is typically found on the back of your card.

Q: What happens when my card expires or my billing information changes?

A: Your card issuer will automatically update this information in your profile.

Q: What happens if I cancel my card and then get a new one with a different account number?

A: You will need to register the new card for Identity Check. Simply return to the registration site and complete the registration process with your new card.

Q: Once I implement Identity Check, how can I test my site?

A: Contact your transaction processor when you are ready to test your site.

Q: Is Identity Check easy for online shoppers to use?

A: Yes, Identity Check is integrated as part of your checkout experience, shoppers may be requested to provide additional information to their card issuer during the checkout before their online transaction can be completed.

Q: How can I download the Mastercard Identity Check logo to place on my Web site?

A: Once you have completed compliance testing, Mastercard will provide you with an Identity Check program identifier.

Q: I'm a merchant, why should I offer Mastercard Identity Check?

A: By providing an option for customers to use Identity Check, you will gain protection from cardholder unauthorized chargebacks for fully compliant transactions. Such protection is designed to reduce your chargeback exposure and processing expenses.

And when you implement Identity Check, consumer confidence increases, making your customers more likely to make an online purchase from you. It can also help you to expand the geographic reach of your business by selling to customers in where online debit cards are more widely used than credit cards. In addition to added protection against chargebacks for these customers, you will also be able to process their Maestro debit transactions.

Q: How do I know whether a merchant participates in an Identity Check?

A: Many participating merchants display the Identity Check brand mark. When you make a purchase at a participating online merchant, during the check-out process you may be prompted by your card issuer to identify yourself to ensure you are the person making the transaction. This information is not shared with the merchant, it is between you and your card issuer.

Q: How will the online merchant know that I'm registered for Identity Check?

A: When you use a card that is enrolled in the Identity Check program at participating online merchants, the merchant automatically recognizes your Mastercard at the time of the transaction.

Q: What happens when I use my Identity Check at a participating merchant?

A: When you make a purchase at a participating merchant and enter your registered Mastercard payment details, you will automatically be prompted by your financial institution to enter your Identity Check. After reviewing the details of your purchase and confirming that your personal greeting is correct, simply type in your Identity Check to complete your purchase.

Q: What is a personal greeting?

A: The personal greeting is a message that you create during sign-up. Each time you make an online purchase at a participating merchant, you will be prompted to enter your Identity Check. At that time, you'll see your personal greeting and other purchase details. The personal greeting is your assurance that you are communicating with your financial institution.

If the personal greeting displayed in the pop-up box is incorrect, you should not enter your Identity Check. You should contact customer service immediately by calling the number on the back of your enrolled Mastercard, and report possible fraud.

Q: How will Identity Check change the online purchase process?

A: The online purchase process will not change other than that you will be prompted to provide your Identity Check during checkout. Your Identity Check will never be revealed to the merchant during the checkout process.

Q: Will I be able to make purchases at merchants that accept Mastercard, but do not participate in Identity Check?

A: If you make a purchase at a merchant that does not participate in Identity Check, you will continue to be protected from unauthorized purchases by Liability protection from Mastercard. Certain restrictions may apply.

Q: What should I do if I am experiencing any problems?

A: If you are experiencing problems with Identity Check please contact your Financial Institution.

Q: I am a merchant who would like to offer Identity Check to my customers. How do I get more information?

A: For information on participating in Mastercard Identity Check, please visit Identity Check Merchant.

Q: How is Identity Check different from Liability Protection?

A: Using Mastercard Identity Check provides added security to prevent your card from unauthorized use. Exceptions apply. Liability Protection provides coverage if your card has been used fraudulently.

Q: Where can I view terms and conditions for Identity Check?

A: Please visit your financial institution's Web site for the terms and conditions specific to your card.

Q: Where can I review the privacy policy for Identity Check?

A: Please visit your financial institution's Web site to review the privacy policy specific to your card.

Q: Questions not answered here?

A: 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.

Q: How does Mastercard Identity Check work?

A: When a cardholder submits their online order at a participating merchant, Mastercard Identity Check performs the following to ensure that the cardholder is authorized to make this transaction:

  • Initiates an in-line window from the card issuer prompting the cardholder to enter their unique personal code.
  • The issuer validates the personal code and approves the transaction.

Q: Does Mastercard Identity Check also support cards with the Maestro brand?

A: Yes. Mastercard Identity Check provides a way for issuers to support Maestro debit transactions online, which enables cross-border transactions with merchants where a debit is more established than credit.

Q: Am I required to display the Mastercard Identity Check program logo on my site?

A: Yes. This lets customers know you are doing your part to help improve the safety of their transactions.
The Identity Check program identifier is available on the Mastercard Brand Center. Download artwork

Q: Who do I contact for assistance with Mastercard Identity Check?

A: If have a Mastercard Identity Check, you must contact the financial institution that issued your Mastercard if you encounter any issues.

Q: I work in law enforcement and I'm investigating a fraud case, who can I speak with?

A: Please email our Law Enforcement Support Center at Law_Enforcement_Support@mastercard.com. Please do not include full card numbers in the 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 and 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.

Q: Where can I get Mastercard logos?

Downloadable logo artwork and usage guidelines are available at the Mastercard Brand Center.

Q: I no longer have my Mastercard, how do I report the card as lost or stolen?

A: A Mastercard representative will be able to assist you in filing a lost or stolen card report. You can call our Emergency Service number at 800-1100-113 for assistance. You should also contact the financial institution that issued your Mastercard.

Q: What liability do I have for unauthorized purchases made on a lost or stolen Mastercard?

A: If Mastercard 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.

Q: How can I get a replacement card?

A: Mastercard can assist you in receiving a replacement card by working with the financial institution that issued your card.

Q: Questions not answered here?

A: 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.

Q: Lost or stolen card?

A: Whether you're the victim of credit card theft, have lost your card, or just need help to locate 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 Singapore: 800-1100-113

Click here for a list of all emergency contact numbers.

For those not listed in our directory, you can call the following number collect to in the United States: 1-636-722-7111.

Q: Where can I get a Mastercard Prepaid Card?

A: It's easy to find the Mastercard Prepaid Card that's right for you. They are available at participating stores and online.

Q: Do I have to activate and register my prepaid card before using it?

A: 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.

Q: How do I use a Mastercard Prepaid Card?

A: 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.

Q: Where can I use my Mastercard Prepaid Card?

A: You can use your Mastercard 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.

Q: My available card balance will not cover my purchase amount. Can I still use my prepaid card?

A: 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.

Q: How do I return an item that was purchased on a Mastercard Prepaid Card?

A: 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.

Q: What if my card is lost or stolen?

A: 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 Liability Protection. Certain exceptions apply. Click here for terms & conditions.

Q: How much does a Mastercard reload transaction cost?

A: 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.

Q: Questions not answered here?

A: 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.

Q: How can I get a replacement card?

A: Please contact your financial institution that issued your card to arrange a replacement card.

Q: 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 it if you could forward the original email to stopit@mastercard.com

Q: Someone called to offer a lower rate on my Mastercard but it seems to be a scam. What should I do?

A: 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.

Q: I believe fraudulent purchases were made on my Mastercard credit card or debit card. How do I report it?

A: 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.

Q: I know who committed fraud on my Mastercard credit card or debit card. How do I report it?

A: 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.

Q: I believe someone has applied for a Mastercard credit card in my name. What should I do?

A: 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.

Q: 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.

Q: How do I report potential fraud?

A: 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.

Q: Can a merchant charge a surcharge or fee when I use my Mastercard card?

A: Merchants can charge an extra fee to customers who pay with debit, prepaid, or credit cards, where permissible by law. Merchants must clearly disclose their surcharge policies at the register or point of payment and clearly indicate the amount of the surcharge on the receipt.

Q: Someone called to offer a lower rate on my Mastercard but it seems to be a scam. What should I do?

A: 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, debit, or prepaid card to report the incident.

Q: What is tokenization?

A: 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.

Q: What are the benefits of tokenization?

A: 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.

Q: How do I ensure that I can accept transactions from eligible devices?

A: 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

Q: What is Mastercard’s role in the launch of digital wallets?

A: The new digital wallets connect into Mastercard Digital Enablement Service (MDES), so participating issuers can enable secure mobile payments on millions of devices.

Q: What do these new digital payments mean for me?

A: For consumers and merchants alike, every purchase made with a tokenized Mastercard debit, credit, prepaid, or small business card using a Digital Wallet offers the enhanced security and benefits of a digital Mastercard transaction including secure tokenization technology.

Q: Will this affect the way that I identify new or returning consumers?

A: 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.

Q: Do any of the digital wallets support my loyalty programs?

A: Google Pay allows merchant loyalty program cards to be added and used at checkout.

Q: How can I dispute a charge?

A: 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. 

Q: Who do I contact if I never received an item that I purchased online or by phone?

A: 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.

Q: I made a purchase but received the wrong item. What should I do?

A: 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.

Q: How do I get a refund from a business that has filed for bankruptcy?

A: 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 that you can call.

Q: What should I do if the financial institution that issued my Mastercard says that Mastercard denied my dispute?

A: 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.

Q: Questions not answered here?

A: 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.