Our suite of processing products is designed to leverage MasterCard’s experience and expertise to reduce the operational complexities and inefficiencies that many of our customers tell us they face. We understand that our customers need solutions which meet not only local and regional requirements, but also help to expand their market reach globally. We’ve developed market leading platforms and integrated them into MasterCard’s network, giving you the flexibility to develop and innovate at a local level, together with the efficiency and reliability to process on a global level—partner locally, process globally!

We provide the technology, the people and the value adding services which give you truly comprehensive acquirer processing solutions. Whether it’s ATM, Point of Sale, Internet, or mobile, MasterCard SPS products put you at the forefront of the payments industry. You can consolidate all your transaction switching, stand-in (on behalf of the issuer) and processing needs through a single point of access to the MasterCard Worldwide Network—which ensures the highest levels of speed, security and availability for all of your current and emerging payment needs.

Smart-sourcing through MasterCard eliminates the need to operate disparate legacy systems and manage multiple supply relationships—plus it enables you to keep up with the latest industry developments. Our proven global network and payments specialists can do it all for you—locally!

We’ve combined best in class products within the MasterCard SPS suite to deliver:

• MasterCard ATM and Point of Sale (POS) device driving and processing: Solutions for all your ATM and POS device driving, transaction switching and processing needs.
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• MasterCard Internet Gateway Service (MiGS): An Internet gateway solution for processing your merchants’ e-commerce and card-not-present payment needs.
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• MasterCard SME Online: An e-commerce solution for your SME merchants who want to process payments via the Internet, call center and mail, plus value added administration tools to help get them started.
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• MasterCard Online Authentication Service (MOAS): Solutions for your online cardholder authentication needs, delivering transaction integrity to address the concerns of issuers, merchants and cardholders.
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• MasterCard MoneySend™: A card to card remittance service between families and friends that uses MasterCard’s global network and card solutions to facilitate domestic and cross-border funds transfers via ATM, Internet, branch and mobile phone.
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Leveraging the globally integrated MasterCard network, the MasterCard SPS suite of products enables efficient scalability and expansion of processing across global markets, as well as customization and speed to market for unique local market requirements. Through these products, MasterCard is committed to delivering innovative, flexible payment solutions, with exceptional availability and superior service.

For more information contact your MasterCard Account Team today or email sps@mastercard.com

MasterCard ATM and POS
The ATM and POS solutions provide innovative, outsourced device driving, switching (stand-in on behalf of the issuer) and processing solutions for financial institutions and ATM deployers.

• Flexible, modular technology platforms reduce implementation complexity and remove the time and cost constraints of development on legacy and non integrated systems. This, together with reduced device certification and development cycles, allows you to take advantage of industry trends and seize new market opportunities
• We support a range of message protocols and device types, as well as transaction switching and processing for a range of standard and non standard transaction types to provide you with a tailored solution—not a one size fits all approach
• Our back-office services provide the functionality and reporting you need for automated reconciliation, settlement file transfers and billing, together with online access to a range of standard and customized reports
• Our 24/7 help desk and transaction dispute management services provide support for you and your merchants. Device management systems provide remote access to view and monitor device status, giving you greater visibility and control
• With payments processing being core to MasterCard’s business, the reliability and up time of our network and platforms—supported by an independent and fully functional disaster recovery site and robust business continuity planning—provide system availability you can count on
• Our compliance with Payment Card Industry Data Security Standards (PCI DSS) means data security, protection and access meet worldwide industry standards
• We offer project management services, together with testing facilities, support and personnel to help you with implementation, migration and development projects.

MasterCard Internet Gateway Service - MiGS
MiGS is an integrated, turnkey service that provides acquirers with world class, secure Internet payment processing capabilities for their merchants.

• With the time and cost of developing, supporting and operating an Internet payment gateway often difficult for acquirers to justify, MiGS enables you to provide an integrated, turnkey service to your Internet merchants for accepting card payments. MiGS leverages the MasterCard global network to switch authorization requests directly to the card issuer, so that as an acquirer you avoid the costs of integrating an in-house or vendor provided Internet payment solution
• All major credit and scheme debit card types are accepted, with real-time, online transaction processing available for over 145 currencies to give your merchants
  e-commerce capabilities on a global scale. 3-D Secure cardholder authentication is also supported to give your merchants and cardholders greater levels of confidence in online shopping
• Multi acquirer processing from a single integration provides efficiency for global merchants and global e-commerce solution providers
• Branding MiGS as your own service and maintaining control of pricing allows you to reinforce your merchant relationships
• You and your merchants have access to a powerful, online administration portal for reconciliation, reporting, searching, and help. MiGS also integrates into your merchant sales, support and service infrastructure to improve your administration security and efficiency
• Compliance with PCI DSS for the optional hosted payments page means the compliance burden is removed from merchants and ensures the highest levels of data protection
• To meet your needs for today and beyond, MasterCard maintains ongoing investment in product features and compliance, and has developed MiGS with best in class security and fully redundant processing for proven reliability.

MasterCard SME Online
SME Online is an Internet based payments service with integrated authorization and settlement processing. It is designed to enable acquirers to provide an easy way for their small and medium size enterprise (SME) merchants to establish an Internet presence and process card payments.

• With many SME businesses unable to find the internal resources and expertise, or justify the cost of external resources to create a business Web site, SME Online provides the solution to overcome these barriers
• SME Online leverages the MasterCard global network to switch authorization requests directly to the card issuer, so as an acquirer, you avoid the development costs of integrating an in-house or vendor provided Internet payment solution
• The easy to use Web shop design interface enables your SME merchants to cost effectively create their own customized Web site, shopping cart, payment page, and product catalogue
• SME Online meets the requirements of a range of SME businesses—from low volume merchants taking phone and mail orders to those processing tens of thousands of batch transactions. Different payment types are catered for, including single card payments with pay now, pay later or recurring payment options, and batch card payments with file upload, processing and recurring payment options
• With acceptance for all major credit and scheme debit card types, real-time online transaction processing, and multi-currency processing in over 145 currencies, your merchants’ e-commerce capabilities have global reach
• Powerful online administration tools for you and your merchants provide functionality for reconciliation, reporting, searching, and help. SME Online also integrates into your merchant sales, support and service infrastructure to improve your administration security and efficiency
• Compliance with PCI DSS for the optional hosted payments page means the compliance burden is removed from merchants and ensures the highest levels of data protection.

MasterCard Online Authentication Service - MOAS
MOAS provides card issuers with a comprehensive and flexible cardholder authentication solution to reduce the risk of online payment fraud.

• By reducing chargeback transactions and fraud related costs for issuers, allowing merchants to offer more high value goods and services online, and improving consumer confidence in online shopping, MOAS meets the needs of all parties involved in e-commerce
• With minimal internal development required and a premium placed on flexibility, you are able to tailor the service to meet your needs. You can specify your own criteria for cardholder enrollment and authentication, as well as choose from multiple languages. Custom graphics and text can also be supported, and you can brand the cardholder interface with your logo to reinforce cardholder relationships
• A Web-based issuer interface provides you with secure access to system administration, business administration, and helpdesk functions
• 3-D Secure authentication and 2Factor authentication are available to meet different cardholder authentication needs
• MOAS is compliant with PCI DSS. System reliability is supported by fully redundant hardware and software and a disaster recovery site.

MasterCard MoneySend™
MasterCard MoneySend is a card to card remittance service between families and friends. It allows participating financial institutions to use MasterCard’s global network and card products to facilitate domestic and cross-border remittances via ATM, Internet, branch and mobile phone.

• With money transfers on the rise, MasterCard MoneySend provides a competitive solution for issuers to access new markets and capture incremental revenue streams
• The service has been designed to leverage MasterCard’s existing transaction processing infrastructure to support banks to efficiently, cost effectively and profitably enter the remittance business
• Authorization, clearing and settlement systems have been developed to support the requirements of both domestic and international remittance processing
• Straight-through processing of remittance transactions means operational efficiency is improved
• Payments are authorized online and guaranteed to reach the recipient typically within 24-48 hours delivering a reliable and fast service for consumers
• For greater convenience, issuers may offer multiple channels for the sender (including ATM, Internet, branch and mobile phone) and receiver (including ATM and Point of Sale) to access the service, with support for both PIN and signature.