Mastercard Stand-in Authorization

Make every payment safe and reliable
 

When every payment just works, people trust you more

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

Stand-In Authorization

Our Stand-In Authorization 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.

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 customized Stand-In parameters to handle both predictable disruptions (like scheduled maintenance) and unpredictable ones (like cyberattacks).

Good for you. Good for cardholders. 

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

Secure payments ecosystem

Protecting you and your customers.

Accurate decisions

Getting it right every time.

Always-on payments

Authorization decisions you can depend on.

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