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Optimization

Driving continuous growth

Mastercard enables always-on optimization, identifying growth opportunities to keep our customers’ business moving forward, today and into the future.

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Spotlight

Fueling performance through intelligent, opportunity-led innovation

Leveraging advanced data analytics and AI, Mastercard helps customers maximize payment and portfolio performance.

2.7%

1. Uplift over the last five years. Based on 2025 Mastercard authorization data.

+3ppt

average spend active rate lift on optimization marketing campaigns

9-15%

2. Mastercard, “Mastercard Payment Optimization Platform uses the power of data to drive more approvals” press release, October 2025

10%+

average spend lift on optimization marketing campaigns1

57%

3. Based on June YTD 2026 Mastercard (Authorization Optimizer) data

100s

of portfolio optimization engagements with customers across the globe.1

Mastercard has been a great partner; they take a data-driven approach to help us realize new opportunities and drive business potential.

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How our data-driven approach can help increase approval rates

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Taking the complexity out of payment optimization with data and AI

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Help unlock hidden volume with portfolio optimization

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Gain portfolio insights with data visualization and benchmarking tools

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Explore our solutions

Mastercard’s always‑on optimization brings intelligence to every payment—helping to boost trust, approvals, and engagement while enabling customers grow with less complexity.

Acquirers and merchants

Help improve digital commerce approval rates today with our optimization solutions.

Payment Optimization Platform

An on-behalf solution that leverages data and services to generate optimal authorization messages in real time and provide insights to help convert financial declines into approvals.

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Secure Card on File

Tokenizing all cards stored on file helps keep customer card data secure, up to date and ready to use. ​Tokenized transactions experience an uplift up to 3-6% in approval rates. ​

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Automatic Billing Updater

Issuers update Automatic Billing Updater with the ​latest credentials and merchants can retrieve updates in real time to help ensure digital payments process seamlessly.​

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Authorization Optimizer

Authorization Optimizer gives you insights on 92% of declines - and advice on what to do next.​ Following advice on lifecycle, policy, and security declines may result in a 55% higher chance of receiving an approval.

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Identity Check

Mastercard Identity Check lets you exchange 10x more data, using the latest authentication standards of EMV 3-D Secure for added security.

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Always-on support

We give you the 'always-on' support and solutions you need and partner with you to make the most of every opportunity.

Explore our solutions for issuers

Uncover new revenue opportunities with every payment and portfolio

Marketing services

See how we engage customers across the lifecycle and boost portfolios with end-to-end services.

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Business intelligence platform

Through Mastercard Intelligence Center, you'll get portfolio insights to help drive better decision-making in an easy-to-use self-service platform.

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Loyalty Solutions

We provide end-to-end loyalty solutions that power every touchpoint across the customer lifecycle, resulting in more loyal, profitable relationships.

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Personalization services

We leverage AI to reach consumers with the right message at the right time through the right channels.

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Test and Learn analytics

Bring AI speed together with trusted, rigorous measurement to understand impact, align teams, and drive confident action.

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Consulting services

Mastercard Advisors supports clients to unlock growth, maximize performance, and drive confident decision making and implementation.

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Learn more about how Mastercard can help you optimize at every point in the lifecycle

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1.  Mastercard internal data from Marketing Services measurement of 1,500+ spend campaigns.