Debit Programs

    Faster and more convenient than checks, and safer than carrying large amounts of cash, debit MasterCard usage continues to grow.

    Debit cards are powerful payment tools for consumers and business card holders. Debit programs at MasterCard provide cardholders with convenient, secure access to funds at an ATM, or directly through a purchase at the point of sale. Faster and more convenient than checks, and safer than carrying large amounts of cash, debit MasterCard usage continues to grow.

    Debit MasterCard

    Debit MasterCard is tied to a cardholder's bank account and can be used to make purchases or obtain cash at more than 25 million locations around the world, including more than 1 million ATMs. Purchases using debit MasterCard are authorized by signed receipt or the use of a PIN.

    Maestro

    Maestro offers cardholders secure, convenient access to their deposit accounts from anywhere in the world. Maestro is the only on-line, PIN-based global debit brand that can be used to make purchases and to provide access to cash at ATMs. As of December 31, 2006, the Maestro brand mark appeared on approximately 675 million cards worldwide, including 42 million MasterCard-branded cards. Maestro is accepted at more than 9 million merchant locations globally and more than 1 million MasterCard/Maestro/Cirrus® ATMs worldwide.

    Cirrus

    Cirrus is MasterCard’s ATM-only brand, and offers cardholders secure access to cash and other banking services. Cirrus can stand alone or sit with MasterCard’s point-of-sale brands, giving them ATM access. It can also be used by competing brands such as Diners Club, Visa and private-label credit cards, to provide ATM access for those cards. Cards bearing the Cirrus logo can be used at more than 1 million ATMs worldwide.