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Identity authentication

Ensure your customers are real

Deliver seamless and secure consumer experiences by leveraging Mastercard at authentication and authorization.

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Boost approval rates

Enhanced data exchange between merchants and issuers improves decisioning and decreases false declines.

Intelligent friction

Seamlessly approve genuine consumers' transactions while applying intelligent friction to high-risk ones.

Prevent fraud

Risk-based decisioning provides the best user experience while protecting consumers.

Prevent chargebacks and inventory loss

Real-time fraud alerts help merchants prevent fraudulent orders and avoid chargebacks.

↑10%

E-commerce approval rates in Brazil increased by 10ppt with Identity Check[1]

+18%

A Brazilian bank raised successful authentications for its customers by 18ppt[1]

77%

of French bank card transactions under €30 are authenticated friction-free[1]

What makes us different

Behavioral biometrics can provide smoother user experience, while giving businesses a clearer path towards identity authentication.

Ting Van Osdol SVP, Mastercard Identity

Authentication solutions

Solutions

Creating a secure, seamless user experience in every interaction within the digital economy.

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Smart interface

EMV® 3DS data helps merchants and payment card issuers improve efficiency and reduce customer friction across payments.

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Mastercard Identity Check™

Drive secure, user-friendly digital payments with EMV® and Mastercard Identity Check, empowering confident decisions.

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Smart authentication

Using EMV® 3-D Secure data and Mastercard's global network, we help issuers improve real-time authentication decisions.

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Digital transaction insights

Bridge the information gap between merchants and issuers at authorization to approve more genuine transactions.

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Identity attribute verification service

Verify a card account status in real time to boost payment success, without negative financial impact or false declines.

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Account status inquiry

Verify card account status in real time to boost payment success, without negative financial impact or false declines.

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Address validation service

Verify a cardholder’s billing address to protect against fraudulent card usage while increasing approval rates.

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CVC2

Validate a card account during online transactions to help mitigate card-not-present fraud.

Explore other identity solutions

Identity is the foundation for trust in a thriving digital economy.

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Identity insights

See how we combat fraud, build trust and grow revenue without sacrificing customer experience.

Learn more
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First-Party Trust

Mastercard arms merchants and issuers with tools to prove genuine purchases and prevent flawed disputes.

Contact us

Let our authentication experts find the right solution for you.

Request info
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Related

In five steps, we walk through how to begin building an insights-based digital security strategy

Get the e-book to learn more.

Identity authentication

[1] Mastercard