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Mastercard Wallet Pay

Connecting digital wallets to global payments networks

Unlock new opportunities for digital wallet innovation, connectivity and scalable growth.

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Deliver payment experiences people trust — anytime, anywhere

Mastercard’s global network supports wallet growth — helping you meet merchant and consumer expectations at scale. Connecting you to 150M+ merchant locations, 25,000 financial institutions, and 3.5B payment credentials across 250 countries and territories.

Wallets

Launch faster, scale easier and secure every transaction with tech built for seamless integration.

Merchants

Wallets open new paths to growth and enable acceptance in new merchant locations globally.

Consumers

Pay the way they want and securely fund wallets worldwide with confidence.

Our partners

Partner wallets

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Pay logo
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Scale and innovate with confidence

Scalable

Go from concept to global reach faster with Mastercard’s efficient and scalable infrastructure.

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Flexible

Our suite of solutions put you in control to choose how, where and when to innovate and grow.

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Access

Empower local wallet users to join the global digital economy through innovative and inclusive payments.

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Trust

Mastercard’s globally trusted infrastructure ensures security without sacrificing convenience.

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Solutions

We help digital wallets grow faster and deliver greater value, powered by our trusted infrastructure and global network.

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Mastercard Wallet Pay - account tokenization

Enables tap-to-pay and ecommerce at 150+ million Mastercard merchant locations worldwide by tokenizing wallet accounts.

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Mastercard Pay Local

Links Mastercard to local digital wallets for easy, card-based payments for travelers and locals.

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Mastercard Wallet Express

Provides pass‑through payment capabilities and enables tap‑to‑pay.

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Mastercard Digital Enablement Service (MDES)

Replace actual card or account number with a unique token for each transaction or device for secure, seamless payment experiences.

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Mastercard Wallet Services

Enables wallets to offer secure contactless and e-commerce payments — no need to build infrastructure.

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Mastercard Move for Wallets

Enables fast money transfers between cards, wallets or accounts across 200+ countries and territories and 150 currencies.

Mastercard Acceptance for Wallets

Enables merchants to accept contactless and online payments from 3.5+ billion Mastercard cards and wallets.

Mastercard Issuing for Wallets

Launch card programs and enable in-store, e-commerce, and cross-border payments in 200+ countries and territories.

Powering the future of digital wallets

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Contact us

We are here to support you in delivering value to your customers and accelerate growth.

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Frequently asked questions

What is Mastercard Wallet Pay, and which types of digital wallets is it designed to support?

Mastercard Wallet Pay is an suite of solutions designed to support staged and stored‑value digital wallets, particularly in emerging markets. It helps wallet providers scale and improve profitability by connecting them to an open, interoperable network built on Mastercard’s global payment standards.

How does Mastercard Wallet Pay help digital wallets scale beyond their local ecosystems?

Mastercard Wallet Pay helps digital wallets scale beyond local or closed loop ecosystems by connecting them to Mastercard’s global network of over 150 million merchant locations, 25,000 financial institutions, and 3.5 billion payment credentials. The network operates across 250 countries and territories and supports payments in 150 currencies.

How does Mastercard Wallet Pay help wallets unlock new revenue streams and growth opportunities?

Mastercard Wallet Pay helps wallets unlock new revenue streams by enabling issuing, acceptance, and money movement at global scale. With Mastercard Issuing for Wallets, providers can support in‑store, e‑commerce, and cross‑border payments that drive engagement and loyalty. With Acceptance for Wallets and Move for Wallets, they can tap into merchant, remittance, and cross‑border payment flows worldwide.

How does Mastercard Wallet Pay support cross‑border money movement and remittances?

Mastercard Wallet Pay supports cross‑border money movement and remittances through Mastercard Move for Wallets, which enables fast and secure transfers between cards, wallets, and accounts. The solution operates in more than 200 countries and territories, across 150 currencies, supporting both inbound and outbound cross‑border payments and key global remittance corridors.

How does Mastercard Wallet Pay support familiar tap‑to‑pay and e‑commerce experiences for wallet users and merchants?

Mastercard Wallet Pay supports familiar tap‑to‑pay and e‑commerce experiences by enabling secure, tokenized payments across in‑store and online environments. Mastercard Wallet Pay (our account tokenization solution) tokenizes wallet accounts to enable seamless tap‑to‑pay at over 150 million merchant locations, while Mastercard Acceptance for Wallets allows merchants to accept wallet payments consistently across channels.

In what ways can Mastercard Wallet Pay accelerate a digital wallet’s time‑to‑market and reduce integration complexity for product and engineering teams?

Mastercard Wallet Pay accelerates time‑to‑market and reduces integration complexity by providing modular SDKs, APIs, and sandbox environments. These tools streamline development, simplify integration, and allow product and engineering teams to launch new capabilities faster.

How does Mastercard Wallet Pay improve security?

Mastercard Wallet Pay improves security by operating on Mastercard’s global security standards, combining tokenization, AI‑driven fraud detection, and continuous compliance monitoring. This approach builds trust and helps protect consumers, wallet providers, and merchants across every transaction.