Mastercard Stand-in Authorisation

Make every payment safe and reliable

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When every payment just works, people trust you more

By providing timely and accurate on-behalf decisioning of authorisation requests, Stand-In Authorisation works to ensure your cardholders can transact safely and reliably at all times.

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Stand-In Authorisation

Our Stand-In Authorisation service ensures a seamless consumer experience even when your systems are down. And with three new features, you can take even greater control over how payment decisions are made on your behalf.

Dynamic decisioning
Account balance listing
Contingency manager

More accurate decisions with Dynamic Decisioning

Dynamic Decisioning’s AI considers over 200 variables to make intelligent decisions on your behalf during Stand-In — improving decision accuracy.

Peace of mind with Account Balance Listing

Account Balance Listing enables you to share PAN-level spend limits to boost the accuracy of Stand-In decisions and mitigate over limit concerns.

Plan for every risk with Contingency Manager

Contingency Manager allows you to set up customised Stand-In parameters to handle both predictable disruptions (like scheduled maintenance) and unpredictable ones (like cyberattacks).

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Good for you. Good for cardholders.

Give cardholders a seamless experience and protect your reputation with timely and accurate authorisation decisions.

Secure payments ecosystem

Protecting you and your customers

Accurate decisions

Getting it right every time

Always-on payments

Authorisation decisions you can depend on

Stand-in Authorisation resources

Act now or pay later: Payment resiliency podcast

Is your payments network risk-ready?

In this episode of “Act now or pay later!”, Mastercard’s Payment resiliency podcast, learn about the crucial need for issuers to proactively protect their payments ecosystem in today’s constantly evolving and increasingly complex environment and why it can’t be either a “We’ll get to it tomorrow” or “We can take care of it ourselves” scenario.

Listen now

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