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Trusted Transactions: Seamless and secure consumer experiences

Connecting dots and building trust with data from Mastercard Identity

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The common good: Creating an ecosystem of transactional trust

Check out

The buyer shares their payment and personal details at point of sale. They may be a guest or a registered/returning buyer. This stage is the beginning of every transaction – including fraudulent transactions, such as identity theft or synthetic identity fraud.

Authentication

Merchants verify and identify legitimate customers while preventing bad actors from completing transactions. Low-risk transactions should be processed with minimal friction to avoid cart abandonment.

Authorisation

By sharing buyer data with issuers, merchants can help prevent false declines and illegitimate transactions. Additionally, chargeback protection is enhanced when data elements are exchanged before authorisation, ensuring a smoother transaction experience.

Post-purchase

After a purchase, a consumer might dispute a charge with their issuer. While the issuer may issue the refund, the merchant is responsible for reviewing and resolving the dispute. Access to detailed identity and transaction insights can help merchants investigate claims, reduce unnecessary chargebacks and protect against fraud.

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The state of payments: Mastercard and Ravelin share research findings around PSD2, managing payment flows and authentication exemptions

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$43b

worth of net fraud losses for e-commerce merchants projected by 2027¹

85%

of Merchant Risk Council (MRC) members experience card testing attacks²

$645b

in losses to large and midsize US e-commerce Merchants due to false declines³

ROI fraud calculator

Want to explore your potential fraud savings with Mastercard Identity data and insights? Check out our ROI calculator to find out.

use cases

How Mastercard can support all parties involved:

Merchant side (merchants, acquirers, PSP, orchestrators)

Provides risk assessment and suggested transaction routes for optimal customer experience

Improves checkout conversion rate

Delivers seamless transaction experience for genuine consumers

Minimises fraud risk and illegitimate/unauthorized transactions

Issuer side (issuers, ACS)

Minimises fraud risk

Reduces false declines

Increases approval rates

Encourages cardholder loyalty

how it works

Get more Trusted Transactions: Every step of the way

Checkout

During checkout, through our fraud prevention and identity verification solutions, Mastercard supports age / name verification, automation detection, login protection and card cycle prevention to protect against fraud.

Pre-Authentication

During pre-authentication, we provide real-time risk assessments and payment optimisation, including SCA and TRA exemptions management for European PSD2 requirements.

Authentication

During authentication, we empower issuers through risk-based authentication (RBA) to assess the risk of every transaction. We leverage intelligent friction to deter fraudsters while ensuring genuine users enjoy a fast, seamless experience. Merchants can choose to fully authenticate a transaction or utilise a data-only flow to provide low-risk consumers a frictionless transaction.

Authorisation

During authorisation, we assist issuers by leveraging data from consumers’ digital identities, Mastercard Network intelligence, merchant behaviors and more. This helps to ensure better decision-making, increases approval rates and lowers fraud rates for our customers.

Post-purchase

During the post-authorization/purchase stage, we can provide additional identity insights to help with fraud investigations or disputes, helping decrease refund fraud or unnecessary chargebacks.

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