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MDES for Financial Institutions

Solutions for tokenizing and digitizing issuer card portfolios

Tokenization is the replacement of a consumer’s primary account number (PAN) with a surrogate value called a token.
Digitization is the process of delivering tokenized card details and associated data to a device and/or onto a secure server on the cloud.
MDES is the Mastercard service that offers tokenization and digitization, replacing card numbers with tokens and storing them in digital environments, such as NFC wallets, wearables or secure servers.

Target Audience

  • Fintechs
  • Issuers

Related APIs

Payment Account Management (PAM) API

Manage the lifecycle of your customers’ accounts seamlessly across Mastercard services

Token Lifecycle Management (via CS API)

Issuers that want to offer digital payments to consumers may enable the management of the token lifecycle connecting their systems to MDES using the MDES Customer Service APIs that are available

Tokenization (via Pre-Digit API)

Issuers that want to offer digital payments to consumers must enable their card portfolio for digitization, connecting their systems to MDES using the MDES Pre-Digitization APIs. Issuers can also connect to MDES using a Mastercard® Engage–qualified partner.

Navigate the other components of the Engage ecosystem

Global fintech website ◆ Engage partner directory ◆ Engage solutions marketplace