discover trusted transactions

Trusted Transactions: Seamless and secure consumer experiences

Connecting dots and building trust with data from Mastercard Identity

Contact us

Mastercard and Flagship Research: The state of PSD2 and TRA exemptions

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.

Webinar participants in Unlocking growth with SCA

Webinar: Unlocking growth with SCA

Discover how merchants can leverage Strong Customer Authentication (SCA) to reduce fraud, lower step-up rates and boost conversions. Featuring insights from Just Eat and Retail Systems.

Key takeaways:

The status of PSD2 and future of PSD3
How data sharing drives growth
Boosting conversion rates in compliance with EU regulations

Don’t miss out—learn how SCA can fuel your business growth

Watch video

$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

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.

Minimise fraud, maximize approval rates

Mastercard and Flagship Research surveyed EU merchants and payment providers to assess PSD2’s impact. This report offers the latest insights on maximising TRA adoption and leveraging PSD2 exemptions to enhance payment performance and drive growth.

Download now

Trusted Transactions news and insights