Private Label Card Payments for modern closed-loop payment programs

Mastercard Private Label

Modernization for your closed-loop payment program

Closed-loop control. Open network power.

Mastercard Private Label brings closed-loop payment processing onto the Mastercard network, combining the brand control and selective acceptance of a restricted program with the security, innovation and scale of a global network

Deeper customer loyalty and stronger brand retention

Enhanced marketing program and profitability with rich data

Higher revenue and increased average order value

Lower program complexity and reduced operational costs

Everything you need to run a modern payment program

Network-powered technology to meet your programs evolving needs

Mastercard's full suite of services delivers modern, digital-first experiences built with innovation in mind. With payments technology advancing faster than ever, programs without the right infrastructure risk being left behind; emerging capabilities like agentic payments are already expected to require features many legacy providers cannot easily support.

Fast, scalable implementation

For many merchants already accepting Mastercard, minimal integration work is required — making it easy to scale programs quickly and cost-effectively.

Simplified operations and lower costs

Eliminate the need to build or maintain a closed-loop system. Network authorization, clearing, and settlement reduces end-to-end cost and complexity.

Integrated data and analytics are available

Granular data and analytics enable tailored offers, targeted communications, and a more personalized cardholder experience.

All types of cards are supported

Consumer and commercial, prepaid, debit and credit, plastic, digital, virtual

Program options built for merchant needs

Mastercard Private Label adapts to many use cases where controlled acceptance matters — including strategies that don't fit a traditional open-loop model. Built on a turnkey foundation, existing programs, including private label credit card programs, can migrate to modern infrastructure and cardholders, merchants or issuers can, in many program configurations, transition to new tiers without requiring card reissuance.

Program types

Merchant card

Brand-tied payment cards that reward cardholders with exclusive discounts, points, and personalized offers — driving higher spend, repeat visits, and deeper customer loyalty.

A person with curly hair and glasses sits on outdoor steps, looking at their phone and smiling, with other people walking in the background

Vertical card program

A card accepted across one or more merchant categories without the need for merchant agreements. The controlled acceptance model supports a broader cardholder risk profile, helping issuers grow segments they may not currently serve.

A person with dreadlocks gazes thoughtfully at the sun, surrounded by a serene outdoor setting

Marketplace / coalition of merchants

A card accepted across a network of participating merchants or within a marketplace ecosystem, enabling multiple businesses to collaborate through bilateral partnerships to achieve shared objectives.

Purpose-built programs

For payment use cases that don't fit a traditional open-loop model, Mastercard partners with issuers and merchants to bring their strategy to life on a turnkey foundation.

Use cases

Transit and Mobility

A person holding a cell phone in their hand

Employee and benefits programs

Campus and community programs

A woman in an office looking at her tablet

Government programs

Gift cards

A man sitting at a desk with a laptop and a headset

Installment cards, such as buy now, pay later

Power loyalty. Reduce complexity. Own the experience.

Let’s talk about how Mastercard Private Label can modernize your closed-loop programs.

Was suchen Sie?

Hervorgehobene Inhalte

Mastercard führt die Merchant Cloud ein, um das Wachstum des Handels im globalen Akzeptanz-Ökosystem zu vereinfachen und zu unterstützen