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MCBP wallets

Mastercard solution implementing HCE contactless payments in a mobile phone

Mastercard Cloud-Based Payments (MCBP) is the Mastercard implementation of Host-based Card Emulation (HCE) contactless payments in a mobile phone. It allows to perform contactless payments through the NFC interface without the need for a secure element (e.g. a SIM card).
MCBP helps you to build a proprietary mobile app that lets consumers use their mobile devices to make contactless payments.

Target Audience

  • Fintechs
  • Issuers

Related APIs

The MPA (Mobile Payment Application) is the component of the MCBP solution that resides in the mobile device. The MPA is designed to support contactless and/or Mastercard Consumer Presented QR and/or remote payment transactions.
The CMS-D (Card Management System-Dedicated) is designed to manage the delivery of payment credentials to the MPA to support contactless and/or remote payment transactions.
Please contact mcbp@mastercard.com for more information.
Contactless-Capable Application

The MPA (Mobile Payment Application) is the component of the Mastercard solution for HCE (Host Card Emulation)-based payments, called MCBP (Mastercard Cloud-Based Payments), which resides in the mobile device.<br> This component can be supplied by a Mastercard® Engage–qualified partner.

CMS-D

The CMS-D (Credentials Management System-Dedicated) is the component of the Mastercard solution for cloud-based payments, called MCBP (Mastercard Cloud-Based Payments), which manages token credentials from the cloud.<br> This component can be supplied by a Mastercard® Engage–qualified partner

Wallet Server connected to MDES

To offer an NFC issuer wallet to consumers, issuers need to connect the NFC issuer wallet to MDES. MDES will manage the digitization process of the consumer PAN (Primary Account Number) and send the digital credentials to the NFC issuer wallet. Wallet providers can also connect to MDES using a Mastercard® Engage–qualified partner.

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