Enable your cardholders to add cards to digital wallets with the ability to transact digitally across all channels (point-of-sale, online, and in-app).

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.

Push Provisioning (via Token Connect API)

Issuers that want to offer digital payments to consumers may enable Push Provisioning features connecting their systems to MDES using the MDES Token Connect APIs. Issuers can also connect to MDES using a Mastercard® Engage–qualified partner.

Push Provisioning for xPays

Issuers that want to offer digital payments to consumers may enable Push Provisioning for the xPay digital wallets.

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.

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.

MC QR Server

To offer Merchant Presented QR payments to consumers, issuers need to connect their mobile wallet to Mastercard Send using the Mastercard QR APIs. Issuers can also connect to Mastercard Send using a Mastercard® Engage–qualified partner.