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SECURE CARD ON FILE

Make online checkout seamless and secure

Securely store consumers' sensitive payment information, while delivering a safe, convenient checkout. 

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Increase consumer confidence paying online

As e-commerce continues to grow, learn how Mastercard is helping mechants and commerce platforms keep consumers' payment information safe. 

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A new standard for online commerce

Frictionless checkouts maximize your revenue, boost your bottom line and keep customers coming back. 

Increase approval rates

Network tokenization protects consumer cards stored on file, enhancing security and convenience. 

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Reduce fraud risk

Replace passwords with user-friendly biometrioc authentication using payment passkeys. 

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Reduce friction

Prevent interruptions and false declines for recurring and returning customers with updated payment details.

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56%

of consumers cite convenience as the reason the y choos to store their credit card information[1]

$443b

the annual cost of false declines, which far outweighs actual credit card fraud[2]

3-6ppt

Improvement in approval rates for tokenized transactions compared to PAN* transactions[3]

Consumer benefits

Consumers store their payment information online for increased speed and convenience. 

Protect cardholder data

Replacing PANs with tokens protect card details and helps reduce exposure to data breaches across the entire payment flow.

Better consumer experience

Reduce preventable lifecycle declines and improve checkout performace with automatic card updates.

Increased confidence

Displaying card art at checkout (if opted by merchant partner), enhances consumer trust in paying online.

Merchant benefits

A frictionless checkout experience for your customers builds trusts drives loyalty and helps secure your bottom line. 

Increase approval rates

Issuers authorize purchases with greater confidence because of end-to-end visibility of secure tokenized credentials.

Help reduce fraud

Payment authorization is made with a dynamic cryptogram generated and validated by Mastercard with each original transaction. 

Fraud liability protection

Benefit from fraud liability protection on fully authenticated transactions using Mastercard's Token Authentication Service [4]

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In the news

Mastercard reinvents checkout with password and number free payments

By the end of the decade, Mastercard plans to phase out manual card and password entry globally in favor of smiles and fingerprints globally, paving the way for a future where numberless cards are the default.

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Mastercard launches Payment Passkey Service

Mastercard selects India for the global launch of its Payment Passkey Service, accelerating secure online checkout for millions of shoppers.

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[1] PYMNTS, "The Value of Vaults to Merchants," 2023.

[2] Vesta | False declines and false positives are costing you revenue - Ekata, a Mastercard company.

[3] Mastercard internal data. Benchmarked 2024 sample of MDES for Merchants customers on card-not-present first attempt transactions. 

[4] TAS is a service under Mastercard's Token Authentication Framework, for which effective dates vary by region.

*Primary account number