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Mastercard One Credential

One card, endless ways to pay

A single, digitally connected credential offers consumers a choice of multiple payment methods, configured to their specific preferences — all from the palm of their hand.

Woman making payment on her phone.

Elevate the consumer journey

Provide consumers with a single digitally connected credential — giving you greater opportunity for key business drivers.

Acquisition

Appeal to the expectations of digitally native consumers — innovation, spending flexibility and access to credit.

Intuitive cross-selling

 

Offer additional products to customers who have a proven history with your business.

Elevated digital experience

Create the experience of the future with personalization at the forefront — all from the palm of a hand.

Simplified integration

Simple to integrate for you, requiring minimal lift for processors and acquirers.

Strengthen your business

Engage consumers and drive top-of-wallet behavior, securing your place as their top financial provider.

Stronger customer relationships

Enhance customer loyalty with a seamless, personalized payment experience that drives usage, relevance and lifelong relationships.

Engaged young customer using phone.

Consumer-centric innovation

Offer additional financial products via a seamless digital solution for better preference and management.

Executive manager using finincal products on phone.

Available for all card products

One Credential lets users access various funding methods and set payment preferences with one digital credential.

Debit

Providing simple, reliable and accepted payments across channels and borders.

Installments

Enabling structured credit with global acceptance.

Credit

Enabling smarter credit utilization.

Prepaid

Expanding functionality for everyday payment needs.

What makes us different

Hear from our partners how Mastercard One Credential is helping move their businesses forward.

“By leveraging Mastercard One Credential and our cutting-edge technology, we’re empowering issuers to deliver exceptional experiences for their customers.”

Amir Wain CEO, i2C

“By adopting One Credential, we are supporting our customers in setting new standards of convenience, optionality and security in every transaction.”

Derek White CEO, Galileo Financial Technologies

“This state-of-the-art technology not only enhances security but also provides our customers with unparalleled simplicity and customization in their payment methods.”

John Mitchell CEO, Episode Six

Rapidly changing consumer needs

Digital natives crave choice and control over how they pay.

47%

of Gen Z prefer using new and innovative payment methods[1]

4.7x

impact of driving payment preference among mass consumers when a payment method offers an easy-to-use digital experience[2]

65%

of Gen Z want to manage everything in one place online[1]

Delivering a personalized payment experience

Offer cardholders the flexibility to manage multiple payment accounts with a single credential from their trusted bank.

Seamless control

Allow consumers to link existing payment methods for an all-in-one experience.

Personalized choice

Offer more payment methods for eligible consumers, personalized to their payment preferences.

All-in-one convenience

Give greater flexibility with a single, digitally connected credential.

Use multiple funding methods with One Credential

Consumers and small businesses can access additional funding methods — such as debit, credit, prepaid and installments — and set payment preferences with a single credential.

[1] Mastercard New Payments Index, 2024. ↩

[2] Mastercard Mass & Affluent Research, 2024. ↩

How it works

A holistic, end-to-end framework delivers a true digital first consumer experience.

A GIF showing the steps to enroll and get started with one credentials.

STEP 1: Easily enroll within the banking app

STEP 2: Select funding methods

STEP 3: Set preferences to pay with preferred method

What makes us different

Hear from our partners how Mastercard One Credential is helping move their businesses forward.

“Being first to market with Mastercard’s One Credential allows us to deliver exactly what our digitally native customers demand — complete payment flexibility and control at their fingertips.”

Prateek Vahie Chief Commercial Officer, Wio Bank

“By seamlessly integrating One Credential, we can help our embedded finance customers provide consumers with greater control and flexibility, driving engagement and enabling exceptional financial experiences every day.”

Rahul Shah Chief Product & Engineering Officer, Marqeta

“This partnership is key to delivering the flexible, personalized payment experiences that today’s digitally native consumers expect.”

Bo Jiang CEO, Lithic