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Transaction optimization

More approved transactions. Less fraud.

Intelligently approve legitimate transactions while stopping fraud in real-time. 

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poster

$400m+

Online fraud stopped¹

$50b+

E-commerce enabled¹

200+

Countries and territories covered globally²

Reduce false declines and prevent fraudulent transactions

Mastercard catches fraud early, so good transactions go through. The result: fewer false declines, more approvals. 

Increase approval rates

Automate low-risk approvals to drive revenue and approve more good customers.

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Stop fraud early

Flag risky transactions early to cut costs and reduce false declines.

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Optimize digital customer experience

Deliver fast, trusted experiences that boost retention and grow lifetime value. 

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Mastercard Identity solutions

By spotting fraud early, you can protect your sales, avoid lost merchandise, and reduce the cost of chargebacks.

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Identity Insights for Transactions

Transaction-ready identity insights that power smarter decisions across the payment lifecycle.

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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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Identity Review 360

Empower manual review teams with a holistic view of digital identity data to confidently make the right decision and win customer loyalty.

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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 Verification Service (AVS)

AVS verifies billing addresses to approve more good transactions while reducing fraud. 

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[1] Mastercard estimates (2025).

[2] Mastercard estimates (2024).