Money transmission and payment services licenses

Licensing Information

Mastercard Cross-Border Services and Mastercard Card to Account Transfer - part of Mastercard's portfolio of money movement and payment solutions - may be provided by Mastercard Transaction Services through the licensed legal entities listed below.

Belgium and the European Economic Area (EEA)

Mastercard Transaction Services (Europe) SA, Chaussée de Tervuren 198A, B-1410 Waterloo, Belgium, is authorised and regulated by the National Bank of Belgium as a payment institution (identification number BE0549.987.921) under the legal framework established by the European Payment Services Directive 2 and makes use of the European Union passporting rights to provide payment services across the entire EEA.

Canada

Mastercard Transaction Services (Canada) Inc., 121 Bloor Street East, Suite 600, Toronto, Ontario M4W3M5, is a payment service provider registered with the Bank of Canada under the Retail Payments Activities Act (entity number RPS0002640), a money services business registered with the Financial Transactions and Reports Analysis Centre of Canada (registration number M08720297) under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, and a money services business licensed by Revenu Québec (license number 11427) under the Quebec Money Services Business Act.

Mastercard Transaction Services (US) LLC (MTS US), 150 Fifth Avenue, New York, NY 10011 is a foreign payment service provider registered with the Bank of Canada under the Retail Payments Activities Act (entity number RPS0002133), a foreign money services business registered with the Financial Transactions and Reports Analysis Centre of Canada (registration number  MO8757325) under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, and a money services business licensed by Revenu Québec (license number 900094) under the Quebec Money Services Business Act.

Jordan

Mastercard Transaction Services (US) LLC, 150 Fifth Avenue, New York, NY 10011, USA is accredited by the Central Bank of Jordan to provide services for inbound, outbound and domestic money transfers in, from and to Jordan (reference number 26/3/12831).

Mexico

Mastercard Transaction Services LAC, S. de R.L. de C.V., Av. Las Américas Num. 187, Colonia Las Américas, C.P. 58270, Morelia, Michoacán is registered as a money transmitter with the Comisión Nacional Bancaria y de Valores. The current registration (Folio de Registro 22189) is valid from November 24, 2023 to November 24, 2026.

Nigeria

Mastercard Transaction Services (US) LLC, 150 Fifth Avenue, New York, NY 10011, USA provides services under authorization by the Central Bank of Nigeria, Trade and Exchange Department, for inward person to person (P2P) international money transfers to recipients in Nigeria (reference number TED/PFO/PRC/CON/02/004), and for inward business to business (B2B), business to person (B2P), and person to business (P2B) international money transfers to recipients in Nigeria (reference number TED/PFO/PRC/CON/01/127).

Philippines

Mastercard Transaction Services (Philippines) Inc., Offices G, H, I, K & N 14th Floor, Jollibee Tower, F. Ortigas Jr. Road, Ortigas Center, San Antonio 1600 City of Pasig NCR, Second District Philippines is registered with Bangko Sentral Ng Pilipinas to operate as a remittance platform provider company (MSB registration number 60-00458-0-00000). Receiving service providers in the Philippines use the Transfast logo as a cash payout acceptance mark to signal the ability for beneficiaries to pick up Transfast-branded cash payouts at that location.

Singapore

Mastercard Transaction Services (Singapore) Pte. Ltd., 3 Fraser St Level 17, DUO Tower 189532 (UEN: 201700267K) is licensed by the Monetary Authority of Singapore as a Major Payment Institution to provide a cross-border money transfer service online 24x7 (including customer support) under the Payment Services Act (license number PS20200411).

United Kingdom

Mastercard Transaction Services (UK) Ltd., 1 Angel Lane, London EC4R 3AB, is authorised by the Financial Conduct Authority to carry out payment services activities as an Authorised Payment Institution (firm reference number 521565) under the Payment Services Regulations 2017.

United States

In California:

Mastercard Transaction Services (California) Inc., 150 Fifth Avenue, New York, NY 10011, provides services under a money transmitter license issued by the California Department of Financial Protection and Innovation (DFPI) (license number 2525).

• If you have questions or complaints regarding any aspect of the money transmission services provided by MTS California, please call us at 1-312-741-6871 or 1-888-314-0688 (for Cross-Border Services) or 1-312-741-6895 (for Card to Account Transfer).
• You may also submit a complaint to the California DFPI online at Submit a Complaint - DFPI; or by printing and completing  a complaint form available at the same link and mailing it to Department of Financial Protection and Innovation, Consumer Services, 651 Bannon Street, Suite 300, Sacramento, CA 95811. If you need assistance with the complaint form, you may call the DFPI at +1-866-275-2677.

In all other states, the District of Columbia, Puerto Rico, and the US Virgin Islands: Money transmission services are provided by Mastercard Transaction Services (US) LLC (MTS US), 150 Fifth Avenue, New York, NY 10011, licensed as a money transmitter by the licensing authorities listed below:

MTS US

NMLS ID No. 900705

NMLS Consumer Access Website: Consumer Access

How to Address Complaints

If you have questions or complaints regarding any aspect of the money transmission services provided by MTS US, please call us at 1-312-741-6871 or 1-888-314-0688 (for Cross-Border Services) or 1-312-741-6895 (for Card to Account Transfer).

Customers in the following states may also submit complaints as described below: 

Alaska Customers: If your issue is unresolved by MTS US please submit formal complaints with the State of Alaska, Division of Banking & Securities. Please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

Please mail all correspondence to: STATE OF ALASKA Division of Banking & Securities 550 W. 7th Avenue, Suite 1850 Anchorage, Alaska 99501

If you are an Alaska resident with questions regarding formal complaints, email dbs.licensing@alaska.gov or call +1-907-269-8140.

Arizona Customers: Contact the Arizona Department of Financial Institutions at +1-602-362-3100.

Colorado Customers: You may file a complaint with the Colorado Division of Banking by downloading the complaint form available here File a Complaint | DORA Division of Banking and sending it to the Division of Banking by mail, fax, or email as indicated on the form. If further guidance is needed email DORA_BankingWebsite@state.co.us

Florida Customers: You may submit a complaint to the Florida Office of Financial Regulation (OFR) online at Submit a Complaint or Tip. If you are unable to file online, download the consumer complaint form available at the same link and mail or fax it to: Florida Office of Financial Regulation, Division of Financial Institutions, Consumer Assistance Group, 200 E. Gaines Street Tallahassee, FL 32399-0370. Fax: 1-850-410-9663. To contact OFR by phone, call 1-850-487-9687. 

Illinois Customers: Toll-free number for suspected violations of the Illinois Transmitter of Money Act: +1-888-473-4858.

Kansas Customers: You may contact the Office of the State Bank Commissioner via their website here File a Complaint – Kansas Office of the State Bank Commissioner.

Maine Customers: You may contact the Maine Department of Professional & Financial Regulation, Bureau of Consumer Credit Protection at +1-800-332-8529 (toll free in Maine).

Maryland Customers: The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents at 1100 North Eutaw Street, Suite 611, Baltimore, Maryland 21201 or at +1-888-784-0136.

Minnesota Customers: You may contact the Minnesota Department of Commerce at +1-651-539-1600.

Nevada Customers: You may contact the Nevada Financial Institutions Division at +1-702-486-4120.

New York Customers: MTS US is licensed and regulated as a money transmitter by the New York State Department of Financial Services (license number 104880).  MTS US is also licensed to engage in virtual currency business activity by the New York State Department of Financial Services (BitLicense number 0000055). 

If you have questions or complaints, please call MTS US at one of the telephone numbers provided above. New York customers can direct unresolved consumer complaints to Consumer Assistance Unit, NYS Department of Financial Services, One Commerce Plaza, Albany, NY 12257 at 1-877-BANK-NYS (1-877-226-5697) or via the website: https://www.dfs.ny.gov/complaint

North Dakota Customers: You may submit a complaint to the North Dakota Department of Financial Institutions using the form  File a Complaint | ND Department of Financial Institutions or  contact the Department at +1-701-328-9933.

Tennessee Customers: You may contact the Tennessee Department of Financial Institutions at +1-615-741-2236.

Texas Customers: If you have a complaint, for assistance first contact MTS US. If you still have an unresolved complaint, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, +1-877-276-5554 (toll free), www.dob.texas.gov.

Vermont Customers: You may contact the Vermont Department of Financial Regulation at +1-833-337-4685 (toll free) or dfr.bnkconsumer@vermont.gov. 

Current as of August 2026