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CRYPTO CARD PROGRAMME‎

Making everyday purchases with crypto cards

Consumers can use their crypto balances across 150 million+ acceptance locations — with the security they trust from Mastercard.

A consumer makes a purchase with a Mastercard crypto card, while another hand holds a tablet displaying a payment screen.

The opportunity of digital assets

Enabling customers to use their digital assets for everyday transactions can fuel businesses growth.

$3.35t+

Digital asset market capitalisation[1]

176m+

Custodial exchanges and self-custody wallet users[2]

20k+

Digital assets in circulation[3]

MetaMask logo.
Gemini logo.
Circle logo.
Paxos logo.
Consensys logo.
Nexo logo.
Wirex logo.

The experience and flexibility to meet your needs

Crypto cards help businesses grow by enabling customers to use their digital assets for everyday transactions.

Programme design

We’ll help you to determine the best card programme and rewards offerings for your goals, whether prepaid, debit or credit.

Partner and launch support

We offer Card Management Services, including partnerships with Programme Managers and BIN sponsors, to help you launch your desired card programme.

Card design

We have expert card design services to help you to select just the right look for your customers.

Launch fast and at scale

Mastercard® Engage enables you to tap into the cryptocurrency ecosystem to grow and scale your business.

Partners in action

Crypto cards in market

We can help you to identify, design and launch a range of crypto cards to meet your needs.

Card funded by Crypto

A prepaid card that gets topped up with relevant currency (for example, U.S. dollars or Euros) when the consumer sells crypto holdings.

Learn more
A woman lying on a couch, holding a crypto card in one hand and using the other hand to interact with a tablet device.

Crypto-backed credit card

A card that lets a consumer access a credit line based on their crypto holdings without selling them.

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Young woman credit card headphones online shopping at laptop on sitting room sofa

Cards earns crypto rewards

A credit card allowing the consumer to earn rewards in crypto.

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A cheerful couple shares a moment of laughter while carrying shopping bags in a marketplace.

Spending crypto is now easy

See how Web3 digital wallet users can access their crypto balances and spend it anywhere Mastercard is accepted.

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A person taps their card on a payment terminal, indicating a transaction in progress.

Crypto cards benefit everyone

Mastercard’s Crypto Card Programme gives consumers the choice to pay with crypto — benefitting all programme partners.

Issuers

Consumers can make purchases, access credit lines or earn rewards* — protected by Mastercard.

Banking partners

Enable a differentiated crypto card offering that helps attract and retain new consumers.

Crypto exchanges

Boost wallet use and loyalty by offering an easy way to pay, leverage or be rewarded with crypto.

Retailers

Tap into consumer's increasing appetite to pay with crypto.

Contact us

Get in touch to learn more about our Crypto Card Programmes and how they might work for you.

Request info
Mastercard logo.

[1] CoinMarketCap.

[2] Market Research Future, January 2025. 

[3] Statista, January 2025.

* Depends on the programme

 

Frequently asked questions

What is the Mastercard Crypto Card Programme and how does it work?

The Mastercard Crypto Card Programme lets consumers spend digital assets like crypto at millions of locations worldwide. It works by converting crypto payments into fiat currency before they reach the Mastercard network..

How does the programme ensure security and regulatory compliance for crypto payments?

Security and compliance are built into the Mastercard Crypto Card Programme through strict AML checks, sanctions screening and fraud monitoring. These measures help protect transactions and meet global regulatory standards.

Can financial institutions integrate the Crypto Card Programme with their existing systems?

Yes, integration is typically straightforward with Mastercard’s APIs and modular services. Financial institutions can connect existing systems to enable crypto payments while maintaining secure transactions and compliance.

What benefits does the programme offer to cardholders using digital assets?

Cardholders enjoy real-time crypto-to-fiat conversion, global acceptance and Mastercard protections. These benefits make paying with digital assets simple, secure and widely accessible.

How does Mastercard build consumer trust in crypto transactions?

Mastercard builds trust by partnering with regulated crypto platforms and applying strong security standards. Every transaction is monitored for fraud and compliance, giving consumers confidence in using digital assets.

What settlement and processing options are available for crypto payments?

Crypto payments settle in fiat currency through Mastercard’s network, with optional stablecoin settlement in select markets. This ensures predictable timelines and compliance for every transaction.

Which types of digital assets are supported under the Crypto Card Programme?

The Crypto Card programme supports major cryptocurrencies like Bitcoin and Ethereum, as well as stablecoins such as USDC and USDT. Supported assets may vary by partner and region.

How does Mastercard manage fraud prevention and secure transactions in crypto payments?

Fraud prevention combines Mastercard’s global security tools with identity verification and compliance checks. These layers help keep crypto transactions safe and reliable.

What are the key steps for financial institutions to enrol in the Crypto Card programme?

Crypto Card enrolment involves planning, partner introductions, compliance registration and implementation. Mastercard supports institutions throughout the process to ensure smooth integration.

How does the Crypto Card programme help institutions meet global regulatory requirements?

Crypto Card programme enforces AML and KYC protocols, sanctions screening and ongoing monitoring. These steps help institutions stay compliant while offering crypto payment options.

Are there any limitations or restrictions on crypto transactions through the Crypto Card programme?

Yes, crypto is converted to fiat before reaching Mastercard’s network and supported currencies vary by market. These measures ensure compliance and secure transactions.

How does Mastercard ensure smooth integration for fintech partners?

Fintech partners benefit from turnkey services like BIN sponsorship, processing and API connectivity. These tools simplify adoption while maintaining compliance and security

What reporting and analytics tools are available for institutions using the Crypto Card programme?

Institutions using Crypto Card programme receive detailed transaction reports, reconciliation tools and quarterly Mastercard reporting. These resources support transparency and operational efficiency.

How does the Crypto Card programme impact cross-border payments and settlement timelines?

Cross-border crypto payments follow standard Mastercard settlement timelines since transactions convert to fiat. This ensures fast, predictable processing worldwide.

What support does Mastercard provide for compliance audits and risk management?

Mastercard offers partner checks, ongoing monitoring and guidance on AML and sanctions compliance to manage risk and maintain trust.

Crypto Cards