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Securing mobile and digital payments

Making payments better for contactless, in app and e-commerce transactions

The ubiquity of mobile phones is changing the way consumers pay. Mastercard® is at the forefront of building a foundation for secure mobile transactions.

We’re answering the call from consumers who are seeking better ways to pay - through our innovative digital wallet service Masterpass; our contactless technologies that make transactions faster; the mobile solutions we power like Apple Pay™, Samsung Pay and Google Pay™; or the tokenisation services we provide through Mastercard Digital Enablement Service. 

We make it possible for people to pay with any payment card, anywhere, on any device - through a simple click, tap or touch. Mastercard is your best digital payments partner.

  • Our digital payments strategy is centred on choice — developing an array of open, flexible products to meet issuer, Retailer and consumer needs.
  • Our strategy is robust and future-proof, with a consistent and focused view of how digital payments should evolve.
  • Our focus on security including industry leadership in EMV is second to none.

Mastercard Digital Enablement Service

What it is

The service allows issuers and retailers to manage tokenisation and digitisation to create EMV-like security for every transaction. It gives cardholders the choice and peace of mind to make more secure digital payments from a variety of connected devices through a tap, touch or click.

How It Works

  • Creation: The card's primary account number (PAN) is replaced with an alternate card number called a token
  • Storage: The tokenised card details are delivered to the mobile device through a process called digitisation
  • Usage: A mobile device is enabled for more secure payments

Introducing Mastercard Digital Enablement Express

Introducing Mastercard Digital Enablement Express A scalable solution for issuers and digital players so that consumers can use their cards when, where and how they want. Express expedites the process of digitising and tokenising Mastercard accounts through the Mastercard Digital Enablement Service (MDES). With Express, Mastercard partners - digital wallet providers, device manufacturers, card on file retailers and other digital payment providers - have a simple onboarding process to engage with all participating banks.

Express partners include:

Google Pay
Apple Pay
Samsung Pay
Fitbit Pay

The benefits of Express

Simple to Scale

Your tokenised cards are automatically available to new digital partners that also enrol in the Express programme

Standardised

When new digital partners join the programme, you're able to scale without negotiating separate bilateral agreements

Secure

All digital partners must meet programme requirements based on EMV and tokenisation standards

Fast to Market

We help make it simple to activate your digital payment strategy with fast track channel activation

Driving convergence with cloud-based payments

Mastercard Cloud-Based payments digitises card credentials via Host Card Emulation when there is no Secure Element in the mobile device. For consumers, this helps provide more secure ways to pay across various devices, plus a more streamlined in-app and online checkout process.

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