In a world of billions of consumers and millions of businesses, MasterCard is winning in the marketplace by delivering value that matters most to each constituent: Working with financial institutions to drive revenues by capturing an ever-increasing number of the world's payment transactions; Helping merchants increase sales and enhance customer loyalty; Providing cardholders greater convenience and ready acceptance, wherever they live, wherever they go. From major cities to emerging markets, we're changing the way the world does business — and making it clear that MasterCard is at The Heart of Commerce