Where global card spend meets local wallets

Mastercard Pay Local is a payment solution that allows travelers to use their Mastercard through local digital wallets by making QR‑based payments when abroad. Consumers simply link their Mastercard to a participating local wallet and pay at merchants using existing QR code systems. 

Digital wallets benefit from Mastercard Pay Local by capturing international card spend and increasing transaction volume, visibility, and profitability. The solution enables wallets to extend acceptance beyond domestic users without significant infrastructure changes. 

Mastercard Pay Local differs from traditional payment methods by enabling secure, open‑loop card payments through local QR wallets. For travelers, transactions are fast, encrypted, and protected. For wallets, the solution enables open‑loop acceptance and cross‑border compatibility beyond domestic or closed‑loop models. 

Merchants accept payments through Mastercard Pay Local when customers link their Mastercard to a local digital wallet and pay by scanning the merchant’s existing QR code.  

Merchants require minimal infrastructure to enable Mastercard Pay Local, as the solution leverages existing QR code systems. Few additional hardware, terminals, or complex integrations are needed.

Transactions made using Mastercard Pay Local are highly secure, as they are tokenized and comply with Mastercard’s Secure Card on File standards. This ensures sensitive card details are protected throughout the payment process. 

Mastercard ensures compliance and fraud protection in Mastercard Pay Local transactions by tokenizing credentials and providing program enablement guidance. This supports secure operations and consistent risk management across markets. 

Mastercard Pay Local is currently supported in Cambodia, China, Hong Kong, Indonesia, and Malaysia. Availability continues to expand as more markets and wallets are enabled.

The typical time‑to‑market for implementing Mastercard Pay Local is as little as three months for wallet providers. This allows partners to launch quickly and begin capturing international spend.