MDES for Devices

Enable consumers to make secure contactless payments using wearable devices or third-party wallets

Specific connected wearable devices can be used to generate secure contactless payments in replacement of a card, transforming these connected devices into secure commerce devices.

Target Audience

  • Device Manufacturers

Related APIs

An NFC (Near Field Communication) issuer wallet is a mobile banking app that enables a mobile device for contactless payment, allowing consumers to securely pay by “tapping” their card or mobile device on a POS (Point-of-Sale) terminal.
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, like here for adding secure payments to consumer devices.

Wearable to MDES connection (IoT)

To add secure NFC (Near Field Communication) payments to their wearables, IoT (Internet of Things) manufacturers need to connect their infrastructure to MDES, which will manage the digitization process of the consumer’s PAN (Primary Account Number) and send the digital credentials to the wearable. Manufacturers of IoT devices can also connect to MDES using a Mastercard® Engage–qualified partner.