Cards · Available
Mastercard
Mastercard is one of the two global card schemes, in business since 1966: a card from any issuing bank is paid with its number, expiry and CVV, authenticated through 3-D Secure (Mastercard Identity Check) where the rules require it and authorised in seconds. Through the acquirers in the catalogue a Tranzify client takes Mastercard in 22 countries and 16 currencies, with recurring charges, refunds and payouts to a card.
Key facts
- Countries
- United Arab EmiratesBrazilCanadaChileColombiaGermanySpainFranceUnited KingdomIndonesiaIndiaItalyKazakhstanMexicoNetherlandsPeruPolandSaudi ArabiaThailandTürkiyeUnited StatesVietnam
- Currencies
- USD, EUR, GBP, CAD, PLN, BRL, MXN, AED, SAR, TRY, INR, IDR, THB, VND, KZT, COP, PEN, CLP
- Operations
- Pay-in · Payout · Recurring · Refund
- Settlement
- T+1
- Chargebacks
- under the scheme rules
How a payment goes through
- 1The payer enters the card on the hosted checkout; the number is encrypted before it leaves the page
- 2The vault stores a token; routing picks the acquirer by BIN, country and amount
- 33-D Secure when the issuer asks; the acquirer authorises
- 4Callback to the merchant, status in the journal for five years
How a payment goes through
- The checkout takes the card on the payment form, or a token saved for a returning payer.
- Where the rules require it, the issuer authenticates the payer through Mastercard Identity Check (3-D Secure).
- The acquirer sends the authorisation to Mastercard and the issuer; the answer comes back in seconds, and the capture settles T+1.
- Tranzify writes the result and calls the merchant’s webhook; on a decline, cascading retries through another acquirer.
Mastercard against Visa
| Mastercard | Visa | |
|---|---|---|
| Scheme since | 1966, as Interbank Card Association | 1958, as BankAmericard |
| 3-D Secure programme | Mastercard Identity Check | Visa Secure |
| Network tokens | MDES | VTS |
| Push payouts to a card | Mastercard Send | Visa Direct |
Payouts and refunds
Refunds go back to the card through the acquirer that took the payment; recurring charges use a token stored after the first authenticated payment. Payouts run over Mastercard Send through Adyen, Checkout.com, Nuvei, SmartFlow and the payout provider Sgate; Stripe covers payments, recurring charges and refunds.
Who uses it
All verticals in the catalogue, from e-commerce, SaaS, travel, marketplaces and digital goods to iGaming, forex and crypto, in the same 22 countries as Visa: the United Kingdom, six EU countries, the United States, Canada, Brazil, Mexico, Colombia, Peru, Chile, the UAE, Saudi Arabia, Türkiye, India, Indonesia, Thailand, Vietnam and Kazakhstan.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
A
Adyen
6 methods · GB, DE, NL, PL, FR, ES, IT, US, CA, AE
On request
C
Checkout.com
4 methods · GB, FR, ES, US, AE
On request
d
dLocal
10 methods · BR, MX, AR, CO, PE, CL
On request
E
EBANX
9 methods · BR, MX, AR, CO, PE, CL
On request
F
Flutterwave
4 methods · KE, TZ, NG, GH
On request
F
Freedom Pay
3 methods · KZ
On request
H
HyperPay
4 methods · SA, AE
On request
M
Midtrans
5 methods · ID
On request
M
Mollie
5 methods · NL, DE
On request
N
Nuvei
2 methods · GB, IT, US, CA
On request
O
Opn (Omise)
4 methods · TH
On request
P
Paystack
4 methods · KE, NG, GH
On request
P
PayTabs
4 methods · SA, AE
On request
R
Razorpay
5 methods · IN
On request
S
Sgate
4 methods · DE, FR, ES, GB
Available
S
SmartFlow
5 methods · PL, TR, GB, DE
Available
S
Stripe
4 methods · GB, DE, FR, ES, IT, US, CA, AE
On request
V
VNPAY
4 methods · VN
On request
X
Xendit
5 methods · ID
On request
Industries
Terms
3-D SecureAcquirerApproval rateAuthorisationBilling descriptorBIN (bank identification number)CaptureCard schemeCard testingCard vaultCascadingChargebackChargeback ratioClearingCross-border acquiringDenylist (blocklist)DisputeDynamic currency conversion (DCC)Fraud screeningFriendly fraudHard declineHigh-risk merchantHosted checkoutInterchangeIssuerLiability shiftLocal acquiringMerchant category code (MCC)Merchant discount rate (MDR)Merchant-initiated transaction (MIT)Multi-currency processingNetwork tokenPAN (primary account number)Payment facilitator (PayFac)PCI DSSPre-authorisationProcessorReason codeRecurring paymentRefundRepresentmentRetrieval requestRisk scoreScheme feeSettlementSoft declineStrong customer authentication (SCA)TokenisationVelocity limitVoid (reversal)
Frequently asked questions
What differs from Visa for a checkout?+
Almost nothing: the same form, 3-D Secure, T+1 settlement and dispute windows; only the product names differ, and the acquirers in the catalogue serve both schemes from one integration.
What are the chargeback rules?+
The cardholder’s bank can dispute a payment under Mastercard’s rules, usually within 120 days; the acquirer passes the dispute to the merchant, and Tranzify keeps the payment’s journal, with the 3-D Secure result, for the reply.
Who is the licensed party?+
The acquirer from the catalogue — Adyen, Stripe, Checkout.com, Nuvei, SmartFlow or a local acquirer of the market — holds the scheme licence; a Tranzify client enables it under its own merchant agreement. Tranzify routes the payment, journals it and calls the webhook.
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