AtlasPayment MethodsMastercard Creditcard

Mastercard Creditcard

pmt_mastercard

Introduced in 1966, Mastercard Creditcard is a card payment method for in-store, online or cash-access transactions used across multiple markets.

Card
Use cases:
Channels:
Initiation:
Users
650M
Markets
237
TPV
$4.3T
Transactions
85B

Number of Users

UsersYoY
20222023202420252026Five-year Users and YoY data will appear here

Total Payment Volume

TPVYoY
20222023202420252026Five-year TPV and YoY data will appear here

Markets

Markets and currencies connected to Mastercard across consumer, processing and settlement flows.

Market
United StatesUS&C$1.2T14B136M
BrazilLatAm$340B12B93M
ChinaAPAC240B CNY480M38M
JapanAPAC$140B4.0B32M
IndiaAPAC$94B1.7B27M

Capabilities

How Mastercard works across its supported payment flows, normalized to the Atlas capability model.

Processing
ConfirmationDelayedInstant
Clearing ModelReal-timeBatch
System Settlement Timing–
System InteroperabilityOpen
Cross-border SupportConditional
Flows
EmbeddedSupported
Redirect–
Deep Link–
Offline Completion–
Manual TransferNot supported
Payment Request–
QRConditional
NFCSupported
USSD–
Recurring
User-present RepeatSupported
Merchant-initiatedSupported
Mandate Support/RequiredConditional
Credential on FileSupported
Authentication
Online Banking–
App ApprovalSupported
Biometric Authentication–
PIN / PasscodeConditional
One-time PasswordConditional
3D SecureSupported
Authorization
Authorization Hold / Pre-authorizationSupported
Authorization Reversal / VoidSupported
Authorization AdjustmentsSupported
Partial AuthorizationConditional
Zero-value VerificationSupported
Capture
Separate/Manual CaptureSupported
Partial CaptureSupported
Multiple Partial CapturesSupported
Refunds
Full RefundsNative
Partial RefundsNative
Multiple Partial RefundsNative
Disputes
ChargebacksSupported
Non-chargeback Dispute ProcessConditional
Payment GuaranteeNot guaranteed
Funding Sources
Bank Account–
CardSupported
Stored Balance–
Credit Line–
Cash–
Consumer Requirements
Local Bank Account Required–
App / Wallet Account Required–
Phone Number Required–
Supported Bank/Issuer RequiredRequired
Merchant Requirements
Local Entity Required–
Local Bank Account Required–
Local Acquiring Required–
Local Processing Required–

PSPs

PSP-specific Mastercard implementations, kept separate from the underlying payment method.

No PSP implementations have been mapped for this method yet.

Schemes

Schemes connected to Mastercard, using the same four-metric model as the overview.

Scheme

Compliance

Regulators and regulations connected to Mastercard.

Regulator(s)
No regulators have been mapped yet.
Regulation Category

Standards

Standards connected to Mastercard.

Standard Category
Mastercard Creditcard91.0%
Markets75.0%PSPs0%Schemes50.0%Compliance100%Standards100%