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Trusted transactions

Trusted Transactions: Seamless and secure consumer experiences

Connecting dots and building trust with data from Mastercard Identity.

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The common good: Creating an ecosystem of transactional trust

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The buyer shares their payment and personal details at point of sale. They may be a guest or a registered/returning buyer. This stage is the beginning of every transaction - including fraudulent transactions, such as identity theft or synthetic identity fraud.

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Authentication

Merchants verify and identify legitimate customers while preventing bad actors from completing transactions. Low-risk transactions should be processed with minimal friction to avoid basket abandonment.

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Authorisation

By sharing buyer data with issuers, merchants can help to prevent false declines and illegitimate transactions. Additionally, chargeback protection is enhanced when data elements are exchanged before authorisation, ensuring a smoother transaction experience.

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Post-purchase

After a purchase, a consumer might dispute a charge with their issuer. While the issuer may issue the refund, the merchant is responsible for reviewing and resolving the dispute. Access to detailed identity and transaction insights can help merchants investigate claims, reduce unnecessary chargebacks and protect against fraud.

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$43b

worth of net fraud losses for e-commerce merchants projected by 20271

85%

of Merchant Risk Council (MRC) members experience card testing attacks2

$645b

in losses to large and midsize US e-commerce Merchants due to false declines3

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Want to explore your potential fraud savings with Mastercard Identity data and insights? Check out our ROI calculator to find out.

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USE CASES

How Mastercard can support all parties involved:

Merchant side (merchants, acquirers, PSP, orchestrators)

  • Provides risk assessment and suggested transaction routes for optimal customer experience

  • Improves checkout conversion rates

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Issuer side (issuers, ACS)

  • Minimises fraud risk 

  • Reduces false declines

  • Increases approval rates

  • Encourages cardholder loyalty 

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How It Works

Get more Trusted Transactions: Every step of the way

Checkout

During checkout, through our fraud prevention and identity verification solutions, Mastercard supports age/name verification, automation detection, log in protection and card cycle prevention to protect against fraud.

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Pre-Authentication

During pre-authentication, we provide real-time risk assessments and payment optimisation, including SCA and TRA exemptions management for European PSD2 requirements. 

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Authentication

During authentication, we empower issuers through risk-based authentication (RBA) to assess the risk of every transaction. We leverage intelligent friction to deter fraudsters while ensuring genuine users enjoy a fast, seamless experience. Merchants can choose to fully authenticate a transaction or utilise a data-only flow to provide low-risk consumers a frictionless transaction.

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Authorisation

During authorisation, we assist issuers by leveraging data from consumers’ digital identities, Mastercard Network intelligence, merchant behaviours and more. This helps to ensure better decision-making, increases approval rates and lowers fraud rates for our customers.

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Post-purchase

During the post-authorisation/purchase stage, we can provide additional identity insights to help with fraud investigations or disputes, helping decrease refund fraud or unnecessary chargebacks.

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Talk to an expert to learn how Mastercard can enhance your business through our products and services.

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1. Source: https://datos-insights.com/reports/e-commerce-fraud-landscape-and-trends-merchants-seeking-to-adapt/

2 Source: https://merchantriskcouncil.org/learning/mrc-exclusive-reports/global-payments-and-fraud-report/global-payments-and-fraud-report-2023

3 Source: https://datos-insights.com/reports/e-commerce-fraud-enigma-quest-maximize-revenue-while-minimizing-fraud/