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Bulk payment service

Faster, cost-effective bulk payments

Speed up processing of large volumes of payments and keep pace with modern demand.

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Spotlight

A modern solution to processing high volumes of payments exactly when consumers need them.

Watch how we’re processing high volumes of payments exactly when consumers need them.

95%

of monthly UK salaries are processed via Bacs with Mastercard bulk technology[1]

50+ years

experience and proven track record servicing Critical National Infrastructure[2]

79%

lower liquidity needs for Danish National Bank retail payments using Mastercard technology[3]

Powering payments, transforming economies

When governments, corporates and banks activate bulk payments, the value is felt throughout the economy.

Improve interoperability

Enhance interoperability and market reach while reducing complexity and effort.

Enhance efficiency in payment flows

Handle large volumes of payments effortlessly and with the greatest energy efficiency.

Optimize costs

Automate payments to many accounts in one file, reducing liquidity and simplifying treasury.

Schedule for later or process when needed

Conveniently schedule payments for future dates or process on the same day as needed.

Drive innovation

Modernize with ISO 20022, delivering richer data for more intelligent payments.

Secure your payments at all times

Built to the highest industry standards, our bulk payments deliver unmatched protection.

Highly secure and reliable bulk payments

Designed with top-tier security standards, our bulk payments ensure unparalleled safety and reliability.

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Set new standards for innovation, value and service

Tap into opportunities to differentiate, strengthen customer relationships, cut costs and increase revenue.

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Customer Story

Over 4.4. billion automated payments annually, on time, every time

Read more
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Bulk payment services

Additional solutions

Expand your ability to further secure and enhance your digital economy.

Account-to-account risk solutions

Our award-winning, AI-driven solutions protect payments and stop financial crime in its tracks.

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Data analytics and consulting

Identify, quantify and execute growth opportunities, solve challenges and optimize payments.

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Power your payments in real time

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

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Contact us

We collaborate with governments, banks and corporates around the world to fuel more inclusive and sustainable economic development.

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[1] Case study, Bacs: salaries, bills and benefit paid on time, every time. https://vocalink.com/newsroom/success-stories/case-study-uk-bacs/

[2] Mastercard internal data.

[3] The Danish national Bank, 2022.

Frequently asked questions

What is Mastercard Bulk Payment Service and how does it work?

Mastercard Bulk Payment Service (BPS) enables financial institutions and schemes to process large volumes of account-to-account payments efficiently and securely. It supports scheduled or same-day clearing and settlement using ISO 20022 messaging, ensuring reliability and cost-effectiveness for high-volume transactions. Designed to coexist with real-time rail, BPS allows markets to seamlessly blend bulk efficiency with real-time capabilities.

What types of transactions are best suited for bulk payments?

Bulk payments are ideal for recurring, high-volume and scheduled transactions such as payroll, supplier payments, government disbursements, and subscription billing. They streamline operations for corporates and public sector entities by consolidating multiple payments into a single, automated process, reducing cost and enhancing reconciliation.

How does Mastercard ensure reliability and resilience in bulk payment processing?

BPS is built on a highly resilient architecture with multi-site deployment, advanced security protocols, and continuous monitoring. It offers robust liquidity management and disaster recovery capabilities, ensuring uninterrupted service and compliance with critical national infrastructure standards.

What role does ISO 20022 play in enabling bulk payments?

ISO 20022 provides a standardized, data-rich messaging format that improves automation, reconciliation, and fraud screening for bulk payments. It enhances interoperability across domestic and international systems, reducing complexity and supporting future innovations.

Bulk Payment Service