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PROXY DIRECTORY SERVICE

Pay you, pay me

Send and receive money with a phone number, QR code or other unique ID while protecting personal information

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Accelerating real-time payments adoption

Proxy Directory Service securely maps unique recipient identifiers to their bank account information in less than a second.

Greater convenience

Users make payments effortlessly with just a recipient’s proxy — no account details required.

Comply with regulatory standards

Proxy services provide the data to help meet regulatory requirements like AML and KYC protocols.

Seamlessly manage payment proxies

Financial institutions can register and manage proxies and account details for customers.

Enhanced value for all

Proxy payments simplify the payer experience for all stakeholders: consumers, businesses and governments.

Flexibility enables many use cases

A wide choice of proxies and account types supports numerous use cases.

Privacy you can trust

Eliminate exposing sensitive bank account and personal information.

Ensure safe, secure payments to the right recipient

Payer validates payee name before transaction occures, ensuring payment is made to the right recipient.

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Built to comply with industry-leading standards

Proxy Directory Service complies with relevant standards (such as PCI DSS, ISO 27001, ISAE3000, ISO 20022).

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Customer Story

CASE STUDY

Thailand's real-time payment service enables small businesses to accept digital proxy payments

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PROXY DIRECTORY SERVICE

Additional solutions

We’re transforming the way people pay — to the benefit of consumers, businesses, banks, fintech and governments.

Instant payments

Explore our instant payment solutions designed for speed, efficiency and seamless transactions.

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Batch payments

Tap into new opportunities with our advanced, comprehensive batch and bulk payment service.

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Account-to-account risk solutions

Our award-winning risk solutions help prevent fraud and money laundering in real-time.

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Powering economies and empowering people, making everyday payments a brezze.

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Frequently asked questions

What is Mastercard’s Proxy Directory Service (PDS) and how does it support real-time payments?

Mastercard’s Proxy Directory Service (PDS) enables instant payments without sharing sensitive account details. It uses registered proxies—such as mobile numbers, email addresses, or national IDs—linked to bank accounts, allowing payers to send funds securely and efficiently. This can reduce errors and accelerates real-time payment adoption across ecosystems.

Can Proxy Directory Service integrate seamlessly with existing payment systems and comply with regulatory standards?

Yes. PDS offers flexible deployment models—centralized, decentralized, or hybrid—and integrates with Mastercard’s Instant Payment Service (IPS), Bulk Payment Service (BPS), and third-party RTP solutions. It complies with key standards such as ISO 20022 and PCI DSS, aligning with regulatory and scheme requirements.

What use cases are enabled by Proxy Directory Service?

PDS unlocks diverse use cases across payment flows, e.g.:
• P2P: Send money using a phone number or email, ideal for splitting bills or emergency transfers.
• C2B: Pay merchants or service providers via proxy, supporting QR and mobile payments.
• B2C: Instant payouts for gig workers, insurance settlements, and loan disbursements.
• G2C: Tax refunds or government disbursements for social benefits or disaster relief
Thailand’s PromptPay, powered by Mastercard’s instant payments technology and Proxy Directory Service, illustrates these benefits—enabling P2P, C2B, G2C, and cross-border QR payments—driving financial inclusion and reducing reliance on cash.

How does Proxy Directory Service ensure security and privacy for sensitive payment data?

PDS employs high-grade security measures, including API certificates, role-based access control, and detailed audit logs. It supports tokenization of account numbers, ensuring sensitive data never leaves the financial institution’s boundaries. Compliance with global standards like PCI DSS and ISO 27001 further reinforces trust and privacy.