# All Blogs
source: https://developer.mastercard.com/blog/index.md

### [Introducing Project History: Complete Visibility Into Your Project Activity](https://developer.mastercard.com/blog/project-history/index.md)

July 08, 2026

Track changes, team actions, access requests, and configuration updates with a built-in audit trail.

### [Automatically Obtain Production mTLS Certificates on Mastercard Developers](https://developer.mastercard.com/blog/mtls-cert-automation/index.md)

June 18, 2026

Skip the manual certificate process. Get your Production mTLS certificate in seconds.

### [OAuth 2.0 with FAPI 2.0 Is Now Available on Mastercard Developers](https://developer.mastercard.com/blog/fapi-20-is-now-available-on-mastercard-developers/index.md)

May 13, 2026

Financial-grade API security is here, with API support rolling out soon

### [How Mastercard Uses AI to Scale API Quality, Discoverability, and Integration](https://developer.mastercard.com/blog/how-mastercard-uses-ai-to-scale-api-quality-and-discoverability/index.md)

April 22, 2026

APIs are foundational to modern payments, enabling everything from checkout and identity to fraud prevention and tokenization. The growth of the Mastercard Developers API platform has driven a significant increase in both the number and complexity of APIs that developers depend on. Ensuring consistent quality at this scale has driven the ongoing evolution of Mastercard's API Gold Standard.
The API Gold Standard was originally established to ensure APIs were accurate, consistent, and easy for human developers to understand and integrate.

### [Mastercard's Evident AI Ranking: What It Means for Payments Developers](https://developer.mastercard.com/blog/evident-ai-ranking/index.md)

March 16, 2026

From fraud prevention to identity and real time decisioning, artificial intelligence is foundational to how modern payments work. Learn why Mastercard's ranking in the Evident AI Index for Payments is mission critical to the global developer community building on Mastercard platforms.
AI maturity at the network level shapes the developer experience downstream. For developers, that means the quality of signals returned by APIs, the accuracy and reliability of fraud and risk scoring, how quickly new capabilities move from research to production, and the level of governance and transparency behind AI-driven decisions.

### [Building with Confidence on Mastercard Developers](https://developer.mastercard.com/blog/maximize-developer-experience/index.md)

January 12, 2026

5 Ways to Maximize Your Mastercard Developers Experience

### [Easily Transfer Project Ownership -- No Disruptions, No Delays](https://developer.mastercard.com/blog/transfer-project-ownership/index.md)

December 11, 2025

At Mastercard Developers, we believe great applications start with strong collaboration. While Mastercard APIs can set your application apart, your team is what ensures long-term success from integration and launch to ongoing maintenance.
When you are ready to start integration, you can create a project requesting Sandbox access to a Mastercard API. Within your project, you can manage team members:
Invite team members who can have admin privileges and responsibilities: rotating keys before they expire, requesting new APIs within the same project or managing team members on the project.

### [Secure Your API Integration with mTLS Authentication on Mastercard Developers](https://developer.mastercard.com/blog/mtls/index.md)

December 04, 2025

In today's digital landscape, security is essential when integrating with APIs. Mastercard Developers offers Mutual Transport Layer Security (mTLS) Authentication for several APIs hosted on our platform.
What is mTLS? Mutual TLS Authentication (MTLS) is a two-way authentication mechanism built on Transport Layer Security (TLS) that uses X.509 digital certificates signed via Public Key Infrastructure (PKI). Unlike one-way TLS, where only the server proves its identity, MTLS requires both client and server to authenticate each other before any data exchange.

### [Intent-Based Search: Find What You Need, Faster Than Ever](https://developer.mastercard.com/blog/search/index.md)

November 05, 2025

Mastercard Developers is your go to destination for exploring a comprehensive suite of Mastercard APIs designed to power your applications. With detailed documentation for over 100 APIs, we support a wide range of use cases, from payments, loyalty and security to data intelligence.
For most Mastercard APIs, you'll find quick start guides, tutorials, reference applications, and Postman collections to streamline your integration journey. Plus, demos and real world use cases are also available to help you visualize how each API can deliver value to your business.

### [From Days to Hours on a Full Product Integration](https://developer.mastercard.com/blog/agentic-integration/index.md)

November 03, 2025

Dogfooding the Mastercard Developers Agent Toolkit We used the Mastercard Developers Model Context Protocol (MCP) server to integrate Consumer Clarity from scratch. Our time-to-first-successful-API-call dropped from days to hours. The toolkit compressed tedious discovery work, freeing us to focus on security, quality, and product fit.
From Skepticism to Speed: Our Agentic Integration Experiment I'd like to paint you a picture: you are staring at API documentation for a new integration. Tabs multiply across your browser as you piece together OAuth flows, endpoint paths, and request structures.

### [Introducing the Metrics Dashboard: Real-time visibility for your API integrations](https://developer.mastercard.com/blog/metrics-dashboard/index.md)

October 28, 2025

When your application depends on hundreds of API integrations, it's essential to know what is working and what is not. We recently introduced a new Metrics Dashboard---a monitoring tool that provides visibility into API performance, error rates, and overall health for your API integrations with Mastercard.
Key Features The Metrics Dashboard transforms API performance data into clear, actionable insights tailored for various stakeholders. The added visibility can help developers and product managers identify reasons for improving success rates or diagnose sudden declining success rates.

### [Take Full Control of your integration with Mastercard Developers APIs](https://developer.mastercard.com/blog/automation/index.md)

October 10, 2025

Mastercards Developer API Transforms Onboarding and Key Management

### [Announcing Mastercard's Agent Toolkit: Accelerate API Integration With AI](https://developer.mastercard.com/blog/agentic-toolkit/index.md)

September 09, 2025

The way developers build software is undergoing a profound transformation. AI agents are no longer experimental, they're essential. With 84% of developers now using AI tools in their workflows and nearly half relying on them daily, the shift toward agentic development is accelerating. Yet, many developers still face friction when integrating complex APIs into their applications. Mastercard recognizes this challenge and the opportunity it presents.
That's why we're introducing the Agent Toolkit on Mastercard Developers -- a Model Context Protocol (MCP) server that gives AI development tools direct access to our documentation.

### [Frictionless Login with FSSO](https://developer.mastercard.com/blog/fsso-on-mcd/index.md)

September 08, 2025

Mastercard Developers now supports Federated Single Sign-on (FSSO) for our enterprise customers. FSSO improves the customer login experience and includes additional security benefits.
What is FSSO? FSSO allows users to authenticate once to their organization, then access applications across other organizations. This is facilitated through a federated partner relationship.
A federated partner relationship has two distinct roles:
Identity provider (IDP) - Your organization Service provider (SP) - Mastercard Developers The IDP supplies a verified identity as a digital token.

### [Meet Automatic Billing Updater](https://developer.mastercard.com/blog/meet-automatic-billing-updater/index.md)

July 28, 2025

What is Mastercard's Automatic Billing Updater and ABU Push? Automatic Billing Updater helps prevent declines due to outdated stored credentials and ensure seamless processing and continuity of digital payments by enabling issuers to provide account credential updates.
ABU Push access method automatically provides acquirers, merchants and API developers with credential updates. Leveraging ABU Push can lead to higher transaction approval rates, and a better experience for customers and merchants.
Understand the challenges ABU solves Merchants processing card-not-present e-commerce and recurring payment transactions often face challenges when stored account credentials change, and processing transactions with outdated credentials can be detrimental with the risk of merchant losing the sale and the customer being left dissatisfied.

### [The Power of XPath in Test Automation](https://developer.mastercard.com/blog/the-power-of-xpath-in-test-automation/index.md)

July 23, 2025

In UI test automation, finding elements on a webpage is fundamental and often the source of either test stability or constant test failures. Whether you're working with Selenium, Cypress, or Playwright, you generally choose between:
CSS Selectors -- Fast, readable, and great for simple hierarchies like .button.primary or div.card \> h2. XPath -- Exceptionally powerful and flexible. Unlike CSS, it allows you to navigate both up and down the DOM, and use expressions like contains() and normalize-space().

### [Unlock Efficiency in Mortgage Lending](https://developer.mastercard.com/blog/mortgage-lending/index.md)

July 15, 2025

Meet the game-changer Mortgage lending has traditionally been a complex and time-consuming process, often fraught with inefficiencies and high costs. Borrowers typically face lengthy approval times, extensive paperwork, and uncertainty about their loan status.
However, Mastercard's Mortgage Verification Service (MVS), powered by Finicity, a Mastercard company, is transforming this landscape making mortgage lending better, safer, and faster. By leveraging real-time financial data and advanced analytics, MVS provides lenders with the tools they need to make more informed and confident lending decisions, ultimately enhancing the borrower experience and expanding access to home loans.

### [Visual Testing That Saves Time, Builds Trust, and Elevates UX](https://developer.mastercard.com/blog/visual-testing/index.md)

June 05, 2025

The software industry has undergone a massive transformation over the past decade. Traditional functional testing, while essential, is no longer sufficient to ensure a flawless user experience. With an increasing focus on seamless digital interactions, the definition of quality has expanded beyond just functional correctness. It now includes visual accuracy, responsiveness, and consistency across platforms.
From manual testing to automated functional tests, and now AI-driven quality checks, the industry is evolving rapidly.

### [The Art of Seamless API Integration](https://developer.mastercard.com/blog/the-art-of-seamless-api-integration/index.md)

May 19, 2025

What does Mastercard deliver? At Mastercard Developers, we aim to provide the complete API developer experience. As host to more than a hundred APIs, we deliver a secure key distribution network to safeguard authentication, encryption, privacy, and data integrity for our developers.
Understand our seamless testing experience One of the ways we maximize the developer experience is by ensuring a seamless testing experience. Secure API testing often demands significant developer time, patience, and accuracy.

### [Achieving the API Gold Standard](https://developer.mastercard.com/blog/achieving-api-gold-standard/index.md)

February 18, 2025

Mastercard holds its APIs to the highest standard by self-assessing and measuring their effectiveness with our Mastercard API Gold Standard program.

### [Experience Design Guides in Action: Meet US Open Finance](https://developer.mastercard.com/blog/experience-design-guides-in-action-meet-us-open-finance/index.md)

August 03, 2024

In this installment, we're talking to Ellen Donovan, Director Product Experience Design, about US Open Finance. What are Experience Design Guides? Experience Design Guides are a collection of guidelines and tools for driving quality and speed in partner implementations of the end-customer experience that now sit alongside API documentation on Mastercard Developers.
Guides maximize the potential for end-user adoption, repeat use and mutual profitability for Mastercard and our customers by providing the end-to-end user experience, developed in Figma, that can be duplicated and "lifted and shifted" into the customer environment.

### [Enhancing Innovation Through Testing](https://developer.mastercard.com/blog/dogfooding-knot-partnership/index.md)

June 25, 2024

At Mastercard, the practice of "dogfooding" highlights our commitment to delivering products and services to our customers at the highest quality.

### [Meet Digital First](https://developer.mastercard.com/blog/edge-mdev-blog-installments/index.md)

June 06, 2024

Welcome to the first installment of Experience Design Guides in Action where we highlight guides created by the Mastercard Foundry CX \& Design team.

### [Open Finance for Account Opening Program](https://developer.mastercard.com/blog/open-finance-account-opening-program/index.md)

April 15, 2024

Open Finance for Account Opening improves the digital account opening process by verifying account ownership, lowering account abandonment, reducing non-sufficient fund (NSF) returns, and minimizing manual entry of payment credentials.

### [5 Things to Consider When Creating Green Software](https://developer.mastercard.com/blog/creating-green-software/index.md)

January 25, 2024

Mastercard has pledged to be net zero by 2040. Learn how you can make your software development process a greener one.

### [Mastercard Developers 2023 New APIs and Postman Workspace](https://developer.mastercard.com/blog/mastercard-developers-2023-year-in-review/index.md)

December 18, 2023

2023 was a big year for Mastercard Developers. Learn more about what we accomplished.

### [New Postman Collections Added to Our Postman Workspace](https://developer.mastercard.com/blog/new-postman-collections/index.md)

December 04, 2023

Mastercard leverages Postman to offer customers a simple way to test and develop with our APIs.

### [November 2023 API Updates](https://developer.mastercard.com/blog/november-2023-updates/index.md)

November 30, 2023

Updates on any new APIs added to Mastercard Developers in November 2023

### [AI, Social Connections and Interactive Media - Retrospective of Washington University Hackathon](https://developer.mastercard.com/blog/washington-university-hackathon/index.md)

November 15, 2023

AI, Social Connections and Interactive Media - Retrospective of Washington University Hackathon

### [Unlocking the Potential of Biometric Technology: A New Era of Authentication](https://developer.mastercard.com/blog/unlocking-the-potential-of-biometric-technology/index.md)

October 16, 2023

Biometrics have gained popularity for passwordless authentication. Discover how Mastercard simplifies biometric integration for easier checkout.

### [Sonic Branding - Sound Science in Modern Branding](https://developer.mastercard.com/blog/mastercard-sonic-branding/index.md)

October 02, 2023

Sonic branding is not just for giant consumer brands. Mastercard is a leader in implement Sonic branding.

### [Seven Lessons From Four Years of Eating Our Own Dogfood](https://developer.mastercard.com/blog/lessons-from-dogfooding/index.md)

September 05, 2023

The term "dogfooding" comes from the expression "eating your own dogfood," and in the realm of software and technology, it means using and testing your own products before releasing them to actual customers. This practice holds significant value as it helps identify any issues in the customer experience before the product is launched to paying customers.

### [No Code, No Fuss - How Mastercard Leverages Postman](https://developer.mastercard.com/blog/how-mastercard-leverages-postman/index.md)

August 21, 2023

Postman is a platform for API development. Learn how Mastercard leverages this powerful tool.

### [Mastercard's Commitment to Quality UX: How We're Helping Customers Implement our Products with Ease](https://developer.mastercard.com/blog/experience-design-guides-introduction/index.md)

August 10, 2023

Mastercard Experience Design Guides. Enhance your customers integration experience.

### [New Account Owner Verification solution launched at Money 2020](https://developer.mastercard.com/blog/acc-verification-money2020/index.md)

June 06, 2023

On June 6th Mastercard announced its latest open finance innovation in Europe: Account Owner Verification, a new solution that enables a frictionless experience aimed at instantly validating account ownership across key European markets.
Account Owner Verification In an increasingly digital world, bank account verification is more important than ever before, though many of us have had to go through complex processes of verifying bank account information through micro deposit or paper statements.

### [Overview of how AI can be used in Open Finance](https://developer.mastercard.com/blog/ai-in-of-overview/index.md)

May 24, 2023

AI can be used in Open Finance for smarter payments. From paying bills and budgeting through mobile banking apps, to invseting through brokerages.

### [Confidential Computing](https://developer.mastercard.com/blog/confidential-computing/index.md)

March 30, 2023

In this post we're going to talk about Confidential Computing, which is a Privacy-Enhancing Technology (PET). It is part of a series on Data Responsibility, and if you haven't already done so, I'd recommend you read the first part of the series: Introduction to Privacy Enhancing Technologies.
We will look at what is confidential computing, and how it can be implemented to protect your data and your application. We will also look at the Attestation process, which is critical to the Confidential Computing guarantees.

### [Make more of your customer ACH payments succeed with Open Finance APIs](https://developer.mastercard.com/blog/smart-payment-decisioning-tools/index.md)

March 17, 2023

The payment industry is always looking for faster, cheaper payments and one of the growing alternative rails is Automatic Clearing House (ACH). ACH is a payment network built by the National Automated Clearing House Association (Nacha). In short, an ACH payment is an electronic bank-to-bank payment enabled through the ACH network, rather than through a card network. ACH payments are also frequently called ACH "transfers" or ACH "transactions." The ACH network is used in the United States, but there are also International ACH Transactions (IAT).

### [Gamification a secret weapon when developing APIs](https://developer.mastercard.com/blog/developer-first/index.md)

March 13, 2023

It should come as no surprise that developers have a strong influence over what technology their organization adopts. In a recent Stackoverflow report, 66% of professional developers are influencing their organization's purchases of new technologies (up from 56% in 2020). This increase in influence is re-enforcing the imperative to make our APIs self-service and easy to use.
How do we ensure that our APIs are designed and published with developers front and center?

### [Enhance card features with our new APIs that add loyalty and card controls](https://developer.mastercard.com/blog/new-apis-mar-2023/index.md)

March 10, 2023

In March, Mastercard Developers has launched five new APIs that allow you to enhance the credit, debit and pre-paid card features you make available to your customers. These APIs focus on providing better security and card control features for any physical or digital card you issue to your customers as well as enhance the loyalty and rewards offerings linked to those cards.
Mastercard Integrated Processing - Issuance We'll start with the Mastercard Integrated Processing - Issuance product.

### [Simple but Mighty - An Overview of the BIN Lookup API](https://developer.mastercard.com/blog/bin-lookup/index.md)

February 28, 2023

The beauty of an API is that a simple form of communication between two systems can unlock a world of unimagined possibilities. The business logic or data within a system designed to enhance a certain domain, such as payment services, can be used to solve problems outside its speciality.
The Google Maps API is the most successful example of this, demonstrating how the data from road and imagery databases can power experiences such as calculating the cost of a taxi ride, tracking courier packages, and even researching the impact of congested city streets.

### [Reduce friction at checkout with our new APIs](https://developer.mastercard.com/blog/new-apis-feb-2023/index.md)

February 24, 2023

This is a short post to highlight some new APIs we have published on Mastercard Developers this month which reduce friction at checkout, when redeeming rewards or when paying bills.
Account to Account Commerce Let's start with a brand new API product: Account to Account Commerce which is an online checkout option that enables creditor service providers (CSP) to provide their creditors (merchants) and debtors (consumers) with an intuitive checkout experience through their mobile banking application that will reduce friction at checkout, reduce fraud, and improve customer conversions.

### [How we validate our API documentation and specs](https://developer.mastercard.com/blog/validate-api-docs/index.md)

February 18, 2023

This post will cover how we automate the validation of API documentation, which is an ongoing project developed by our API Consultancy and Standards team (API C\&S team). The API C\&S team is responsible for the quality of the APIs published on the Mastercard Developer platform. They provide the processes and tooling to enable the API service teams to review their API specifications, technical documentation, and reference apps.
Every new and updated API specification and related technical documentation needs to be validated.

### [Introduction to Privacy Enhancing Technologies (PETs)](https://developer.mastercard.com/blog/introduction-to-privacy-enhancing-technologies/index.md)

January 26, 2023

Introduction to Privacy Enhancing Technologies (PETs) More than ever, consumers value data privacy, as serious data breaches continue to routinely happen putting individuals at risk of spam, targeted campaigns, identity theft, blackmail, etc. The consequences can be dire for the organizations responsible for data leaks: they not only face significant fines and penalties, but also trust as well as brand and reputational damage. Various legislations have been put in place across the globe to protect individuals' data, such as GDPR in Europe, pushing for more stringent controls on Personal Information and mandating that systems and applications be built following the Privacy by Design principle.

### [How to Implement Encryption in Postman](https://developer.mastercard.com/blog/how-to-implement-encrytption-in-postman/index.md)

January 12, 2023

If an API is handling sensitive data (e.g. personally identifable information, credit card numbers etc.) then it will require that you encrypt the body of the request. Even if the API uses MTLS to protect the connection, it is still good practice to encrypt the payload so even after the MTLS connection is terminated the data in the body of the request is potected all the way to the service that will work on it.

### [How to implement different use cases with the US Open Finance APIs](https://developer.mastercard.com/blog/us_open_finance/index.md)

December 16, 2022

In this post I'm going to walk you through how to get up and running with the US Open Finance API and then show how exactly to use the API to implement three interesting solutions:
How to enhance an online KYC (Know Your Customer) pipeline. Allow a customer to open an account and fund it (and it doesn't have to be another bank account -- it could be a third-party app that streamlines how to manage and pay for prescriptions) How to highlight the power of "rounding up" transactions by pulling the last six months of transactions from a checking account to show how much the customer would have been able to save or donate to charity.

### [Highlight the power of "rounding up" payments by pulling transaction history with the US Open Finance APIs](https://developer.mastercard.com/blog/highlight-the-power-of-rounding-up-payments-by-pulling-transaction-history-with-us-banking-apis/index.md)

December 12, 2022

Description: There are many value-added services you can provide once you have access to a customer's transaction history. One I particularly like is how you can use this data to showcase the power of rounding up transactions and taking the "small change" to save it or maybe donate it to charity. This can be a difficult feature to sell to prospective customers who don't appreciate how all these small transactions can quickly add up.

### [How to enhance a Know Your Customer (KYC) flow with US Open Finance APIs](https://developer.mastercard.com/blog/how-to-enhance-kyc-flow-with-us-open-finance/index.md)

December 11, 2022

Description: This video will show how you can piggyback the KYC a bank has already carried out to fast track your own KYC pipeline. When we open a bank account, we go through an extensive KYC process providing government issued photo identification, utility bills, email validation etc. The banks take great pride in ensuring that "you are who you say you are" and "live where you say you live"; and they keep this up to date.

### [How to open and fund an account using US Open Finance APIs](https://developer.mastercard.com/blog/how-to-open-and-fund-an-account-using-us-open-finance-apis/index.md)

December 10, 2022

Description: The US Open Finance API has endpoints that are particularly useful for Account Opening use cases, and I don't just mean for new bank accounts. There are lots of use cases when registering a new customer where it is important that you know exactly who they are and where they live. In many cases, you also need to fund the new account and keep it topped up and the US Open Finance API can help here too.

### [Quantum Key Distribution (QKD)](https://developer.mastercard.com/blog/quantum_key_distribution/index.md)

November 18, 2022

Overview This blog post is the third in a three-part series on Public Key Encryption (PKE), the threat posed to it by Quantum Computing and how these threats will be addressed.
In this post we will discuss the possible application of Quantum Key Distribution (QKD) to solve the threat to PKE posed by Quantum Computing and at the end provide a short primer on how QKD actually works.
Can QKD deal with the threat of quantum computers breaking RSA/ECC?

### [What is Push Provisioning and why does it matter?](https://developer.mastercard.com/blog/what_is_push_provisioning/index.md)

November 16, 2022

Push provisioning is one of the unsung heroes of today's digital card payments that streamlines how consumers can link up their payment cards to digital wallets. Very few are aware of it, but they would certainly notice its absence. Let's shed some light on how push provisioning works, how it can triple the number of cards provisioned to digital wallets, and how it can save card issuers time and money. We are going to need some context for this one.

### [Solo and System Groovy for Jenkins](https://developer.mastercard.com/blog/solo-and-groovy-jenkins/index.md)

October 31, 2022

Real Time Payments Dev-ops Instant payment systems are a part of the critical infrastructure of a country: they offer a mechanism for banks within a country to transfer money to each other immediately. Typically, these systems are used to enable payments to be made within a few seconds 24 hours a day, seven days a week, 365 days a year. The Real Time Payments service offered by Mastercard is an example of such a system.

### [Zero-day Vulnerability Mitigation Using Examples From Log4j](https://developer.mastercard.com/blog/zero-day-vulnerability/index.md)

September 08, 2022

With ever more complex applications made up of millions lines of code and hundreds of dependencies it is very likely that some version of a service or library that you rely on will have a vulnerability. Even relatively simple applications rely on many external libraries to provide the plumbing so the developers can focus on the business logic. You may be confident that your own code is locked down tight, but a vulnerability may be discovered in any one of the third party or open-source libraries your application relies on.

### [How to use Machine Learning to classify support emails in Python](https://developer.mastercard.com/blog/email-classifier/index.md)

September 08, 2022

The development teams across Mastercard that publish their APIs on developer.mastercard.com often have questions about the API onboarding process. The Mastercard Developers Standards and Consultancy team are responsible for supporting them and they are the ones who triage the queries and respond to them.
Akshay Dubey, one of the software engineers on the Standards and Consultancy team, saw an opportunity to automate how they categorize and prioritize these queries so they could direct them to the right people on the team as well as analyze the queries to look for common issues and improvements.

### [A Primer on Public Key Encryption (PKE)](https://developer.mastercard.com/blog/a-primer-on-public-key-encryption/index.md)

September 08, 2022

Overview This blog post is the first in a three-part series on Public Key Encryption (PKE), the threat posed to it by Quantum Computing and how these threats will be addressed.
In this post we will provide a primer on PKE that highlights the core principles for key generation and exchange (it is these mathematical principles that potentially make PKE vulnerable to Quantum attacks). We'll also walk through some examples.

### [Threats posed by Quantum Computing to Public Key Encryption (PKE)](https://developer.mastercard.com/blog/threats_posed_by_quantum_computing_to_public_key_encryption/index.md)

September 08, 2022

Overview This blog post is the second in a three-part series on Public Key Encryption (PKE), the threat posed to it by Quantum Computing and how these threats will be addressed.
In this post we will cover possible threats posed by Quantum Computing to PKE and highlight how the next generation of PKE methods will secure us against this threat.
Is there a problem with today's public key algorithms as a bootstrap mechanism for secure communication?

### [Bringing Biometric Checkout to Life](https://developer.mastercard.com/blog/biometric-checkout/index.md)

July 25, 2022

Background Officially launched in May 2022, Mastercard's Biometric Checkout Program is industry's first of its kind innovation that sets the standards, specifications, and certification processes for how payments ecosystem partners can responsibly develop frictionless "biometrics only" checkout solutions that meet the highest levels of security, privacy, and customer experience. Globally, 74% of consumers have a positive attitude towards biometric technology\[1\] and the market for contactless biometrics technology is projected to reach $18.

### [How to solve complex logic problems with Python and D-Wave](https://developer.mastercard.com/blog/how-to-solve-complex-logic-problems-with-python-and-d-wave/index.md)

July 05, 2022

Welcome to our series on Quantum Computing and Quantum Programming. The scope of these video primers is to demonstrate how you can use Quantum Computing to solve complex logic problems. We will cover how we use Jupyter to present and run our code, a brief history of computing from classical mechanics through electro-magnetism to computing using Quantum Mechanics (we also show what a Quantum Computer looks like) and finally, why Mastercard is working with Quantum Computing

### [An Engineer's Tale: Q \& A with Zeta CTO Ramki Gaddipati](https://developer.mastercard.com/blog/zeta_qa/index.md)

June 27, 2022

Dive into one of the leading lights of fintech development, Ramki Gaddipati, CTO of Zeta. We had the opportunity to sit down with Ramki to ask about his background, drives for today, and his thoughts on key industry trends.
Let's start with some background info, can you tell us about yourself and how you got involved in this space? I am a techie at heart and I love to code in my free time.

### [Evolution of Hosted Checkout Solutions](https://developer.mastercard.com/blog/evolving-hosted-checkout-solutions/index.md)

May 20, 2022

Changes in consumer payment preferences have impacted how businesses and development teams respond to consumer demands. The immediate need for seamless digital payment alternatives, brought on by the shift from in-person transactions, requires businesses to move fast or fade away. Quick go-to-market development technologies, such as hosted checkout, are leading the way for abbreviated development times for both small and enterprise businesses.
Changing demands As the market continues to grow, how is hosted checkout integration changing?

### [The World Needs Faster Data Processing Like Edge Computing](https://developer.mastercard.com/blog/edge-computing/index.md)

January 28, 2022

Few innovations have transformed our relationship with technology like the cloud. This constellation of huge data centers can tackle computing tasks for digital devices located a mile or a continent away, allowing us to enjoy podcasts, share memes or stream movies nearly anywhere we go.
The cloud, however, has a problem. It's constantly connecting to new devices --- from smartphones to tiny sensors --- and offering them more and more services, from e-commerce purchases to turnstile access at a subway.

### [With Great Open Finance Innovation Comes Great Responsibility for Consumer Data](https://developer.mastercard.com/blog/with-great-open-finance-innovation-comes-great-responsibility-for-consumer-data/index.md)

December 02, 2021

The fintech developers who made mobile banking as routine as texting or online shopping aren't done. The next frontier for innovation is open finance -- fintech builders are enabling consumers to be at the center of where and how their data is used to provide the services they want and need.
Most people don't even realize they're using open finance services today. If they connected their investment and banking accounts in a personal financial management solution or app, they're using open finance.

### [The Fintech Revolution (or, The Little Engine That Could)](https://developer.mastercard.com/blog/the-fintech-revolution/index.md)

November 04, 2021

What. A. Year.
Last week CB Insights reported $95B funding flowing into fintech companies in 2021. For anyone working in fintech, even though this number is a 200% increase on 2020, it's really no surprise. The pace of change this year has been unprecedented. It seems as though the builders behind the segment were poised and ready to tackle the challenges of the pandemic, taking advantage of the flood of capital to execute on long-held visions.

### [The Psychology of Successful Customer Surveys](https://developer.mastercard.com/blog/the-psychology-of-successful-customer-surveys/index.md)

October 13, 2021

I don't know about you, but as a customer, when I get asked to provide feedback or to fill out a survey, my reaction is fiercely binary; either I am eagerly happy to do so, or I cannot click cancel fast enough. Maybe that's just my nature, or maybe it's entirely dependent on the product in question, but I had a hunch that I wasn't alone in this sentiment. There is certainly some psychology behind the decision, and I wanted to understand it.

### [Rebranding at Speed -- Automating White Label Customization](https://developer.mastercard.com/blog/rebranding-at-speed-automating-white-label-customization/index.md)

September 01, 2021

When creating a mobile app, development teams depend on their expert knowledge of the audience along with the app's branding, and they use this insight to make judgement calls during the development process. However, a white label business model presents a significant challenge and introduces several unknowns. Brands across the globe will need to easily retheme and market your app as their own. Without an established set of branding guidelines, developers need to design for maximum flexibility.

### [Improving Customer Transaction Decisions with Machine Learning](https://developer.mastercard.com/blog/improving-customer-transaction-decisions-with-machine-learning/index.md)

August 10, 2021

Modern consumers expect instant gratification with their online transactions, and businesses competing for those customers are stuck between being too strict in catching fraud---often turning away good customers---or too permissive, allowing fraudulent transactions to occur on their platform. So how can a company verify that their customer is genuine? There are many identity verification solutions on the market, ranging from free (like social media) to static identity elements (like social security number) to dynamic identity elements (like name, phone number, and email address).

### [The Developer Experience: Sandbox](https://developer.mastercard.com/blog/the-developer-experience-sandbox/index.md)

July 15, 2021

This blog post is the second in a series of posts discussing the growing importance of the developer experience. In the first post, I discuss the impact of reference applications on the productivity of developers. In this post, I describe why an open and dynamic sandbox is an essential competitive asset for API providers. We intend to extend this series, so keep an eye out for future posts about this emerging discipline.

### [Establishing a Criteria for API 'Best in Class'](https://developer.mastercard.com/blog/establishing-a-criteria-for-api-best-in-class/index.md)

May 31, 2021

After a number of years of leading Mastercard's API program, I often ask (and get asked) what constitutes 'best in class'. For me, I'm not sure there's a one-size-fits-all here as 'best in class' means an emphasis on different aspects of APIs depending on the nature of your business. For example, if you do business with a large number of smaller entities then '5-minute onboarding' or '6 lines of code' could be a key driver for adoption.

### [Put Yourself in Your Customers Shoes When Developing APIs](https://developer.mastercard.com/blog/put-yourself-in-your-customers-shoes-when-developing-apis/index.md)

April 30, 2021

The great thing about developing B2B API products is that it forces you to be customer centric as you build technology. However, if you distribute your services over an app, website, or device it's possible to smooth over some of the bumps in your APIs with a slick user interface, leaving your team to maintain some level of undesirable API friction.The flip side of doing business over APIs is that even though you may have nicer APIs, some of the techniques we use to be 'customer centric' can be more challenging to execute.

### [APIs -- A Catalyst for Growth](https://developer.mastercard.com/blog/apis-a-catalyst-for-growth/index.md)

March 31, 2021

It is no secret that the race to Digital transformation is well under way, and those waiting to catch on will need to move faster than ever to survive. Our current market demands businesses to expand their reach and rapidly adapt to the evolving needs of their customers. This is no small order, but the industries that have been able to do so all have one thing in common; they understand that APIs are the facilitating force to achieve digital transformation.

### [Enabling Small Businesses to Compete](https://developer.mastercard.com/blog/enabling-small-businesses-to-compete/index.md)

February 26, 2021

In early 2020, just as the pandemic started to impact lives across the globe, our team at Mastercard Payment Gateway Services (MPGS)launched a program to integrate Simplify Commerce quickly into acquiring banks for their small business customers worldwide.
Simplify Commerce is a small business white label platform within MPGS, that is offered to our banking partners. This platform empowers small businesses with the ability to process digital payments. It includes features such as hosted payments and a fully hosted store option to create and manage their own branded e-commerce store.

### [The Next-Generation Contactless Payments - Ecos](https://developer.mastercard.com/blog/next-generation-contactless-payments-ecos/index.md)

January 29, 2021

Summary On January 26th, we announced the availability of Enhanced Contactless or Ecos specifications for our industry partners. This is the initial step towards future-proofing contactless payments for the quantum era. Ecos is designed with state-of-the-art security and privacy standards and uses best-in-class cybersecurity principles and techniques. There is no immediate impact to existing contactless payments. Over time, issuers and acquirers will deploy Ecos, and it will be seamless to consumers and merchants.

### [Simplifying the Digital Card Guest Checkout Experience](https://developer.mastercard.com/blog/simplifying-the-cardless-guest-checkout-experience/index.md)

December 16, 2020

The Problem Guest checkout is a pain. With consumers shopping online more than ever before, we are all inevitably shopping on new websites where we do not have our card information saved on file yet. If the merchant's site does not accept Click to Pay or Apple Pay, we're left with the most cumbersome option: physically getting up out of our seat to go fetch our wallet and manually key in our card information.

### [APIs - A Product Managers Perspective](https://developer.mastercard.com/blog/apis-a-product-managers-perspective/index.md)

October 27, 2020

Overview Over the last decade, we have seen the rise of APIs and their importance in the digital landscape. Looking at any digital product offering today, you will find that they either leverage APIs or are an API. In-fact the MuleSoft's 2020 Connectivity Benchmark Report shows that 80% of organizations are already using APIs, of which 43% manage their APIs like products (see diagram below). These numbers are only going to increase as more and more companies continue to see the benefits of APIs and the importance of treating them like products.

### [Multi-layered security stops PIN bypass](https://developer.mastercard.com/blog/multi-layered-security-stops-pin-bypass/index.md)

September 11, 2020

You may have seen headlines in the payments technical press recently about a research paper describing a new attack on contactless payments. The attack enables a fraudster to conduct a high value contactless transaction using a stolen card but without having to enter a PIN. The paper didn't enjoy the media launchpad of Blackhat this year but it certainly did succeed in making waves and raising concerns. As the paper is quite long and broad I thought it might be helpful to provide a brief explanation of the attack from a Mastercard perspective.

### [Accelerating Fintech Innovation Through Open APIs](https://developer.mastercard.com/blog/accelerating-fintech-innovation-through-open-apis/index.md)

August 20, 2020

The very first payment cards issued were made of cardboard. They had no magnetic stripe or computer chip -- no way to validate ownership without looking for identification from the shopper, and a phone call to your bank was required to check credit.
That was decades ago, and card payment technology has been continuously evolving. Banks played a large role in developing modern card payments, but scaling to the ubiquity consumers enjoy today required collaboration with others to specialize across different areas --- networks, computer chips, processors, point of sale terminals, internet gateways.

### [The Developer Experience: Reference Applications](https://developer.mastercard.com/blog/the-developer-experience-reference-applications/index.md)

July 24, 2020

Have you ever wondered why you sometimes push a door even though you were supposed to pull it? You probably realized, once you were stopped in your tracks, that there was a sign telling you to pull the door. You're left sheepishly rectifying your mistake, while you wonder how could you have made such a simple error. In such cases, this blame is misplaced. It is actually the door that is at fault.

### [Make Kindness Go Viral With Mastercard Donate APIs](https://developer.mastercard.com/blog/make-kindness-go-viral-with-mastercard-donate-apis/index.md)

May 19, 2020

Right now, some of the best minds in the payments industry are at Mastercard developing innovative solutions to help during the current COVID-19 crisis by utilizing our technology. As this virus propagates around the world the social and economic damage is mounting. In this situation, time is of the essence.
Mastercard has announced a commitment of $250 million over five years to support small businesses in the United States and other markets in which we operate.

### [API 'Tough Love'](https://developer.mastercard.com/blog/api-tough-love/index.md)

March 12, 2020

If we're honest, none of us really enjoy being judged; we don't like to be assessed, scored and critically reviewed. Only in the exceptional case where we believe we come out on top (or possibly near the top) do we warmly embrace the process of assessment and being compared to peers. Many companies have an annual review (including here at Mastercard) and it's never the most eagerly anticipated process.
At Mastercard, we continually assess many things and one of them is our APIs.

### [Treating Documentation Like Code](https://developer.mastercard.com/blog/treating-documentation-like-code/index.md)

February 14, 2020

Over recent years the phrase "documentation as code" has become well known in the technical writing community, especially among writers specializing in software documentation. Essentially, "docs as code" means creating documentation by utilizing some of the same tools and processes used by software developers, such as:
Version control systems like Subversion or Git to enable cross team collaboration and keep track of edits Automated systems to build and deploy content similarly to how Jenkins is used to build and deploy code To some extent this concept is not new.

### [Consumer-Driven Contracts to the Rescue](https://developer.mastercard.com/blog/consumer-driven-contracts-to-the-rescue/index.md)

January 10, 2020

In a world of reusable services, applications depend on APIs for data. Such is the case for one of the Loyalty Rewards applications my team and I are building. It is a web app for configuring rebate promotions that cardholders can take advantage of depending on the credit card they signed up for. An example of a promotion would be that I can receive 5% cash back when I use my Mastercard credit card at a particular merchant (i.

### [Don't be a minimum viable product manager](https://developer.mastercard.com/blog/dont-be-a-minimum-viable-product-manager/index.md)

December 06, 2019

"Do we need product managers? They don't seem to do much!" - That was a question I asked myself early on in my career as a UX designer. During 10 years of working as a designer alongside product managers, I found product management evolve into a role that requires many skills and influence many decisions beyond the product.
A year into switching to a product management role, I find myself asking a different question: what should product managers do to be more effective?

### [If you can't beat them, partner with them!](https://developer.mastercard.com/blog/if-you-cant-beat-them-partner-with-them/index.md)

November 01, 2019

I've been reading through a lot of research into Fintechs and the banking market, and one thing seems pretty clear. Most people (including most banks) think Fintechs are going to continue to set new standards for innovation that big banks will find a bit of a stretch. Banks now recognize the importance of partnerships with much smaller firms that they may have considered as a nuisance or threat only a couple of years ago.

### [APIs as Innovation Engines](https://developer.mastercard.com/blog/apis-as-innovation-engines/index.md)

October 03, 2019

"Standing on the shoulders of giants" is a phrase most of us are familiar with, but many don't pay enough heed to its significance. Western society in particular has evolved through a culture of individualism, rather than collectivism. We've been told heroic stories of great individual leaders, and most of us aspire to being one. However, if we peel back this narrative and look at the truth behind it, we see a different story.

### [Live Chat](https://developer.mastercard.com/blog/live-chat/index.md)

September 02, 2019

On August 22nd 2019, Mastercard Developers introduced Live Chat to better support our customers. Users are now able to engage in real-time conversations, with specialized API agents, for any type of integration questions. Truth be told, I am excited about this one.
It is no secret that chat has quickly become industry standard for providing support. It offers the opportunity for a more seamless interaction versus traditional support channels. It can also resolve issues in a fraction of the time.

### [Rethinking Our Content Management Strategy](https://developer.mastercard.com/blog/rethinking-our-content-management-strategy/index.md)

August 16, 2019

Mastercard Developers website has been powered by a full featured Content Management System (CMS) back-end and a responsive Single-page Application (SPA) front-end.
Lately however, we've started seeing difficulty with scaling the application to handle higher traffic loads from around the world especially in newer markets. Horizontally scaling into each individual market would increase operating costs immensely, while vertical scaling doesn't help with reducing network latency.
Furthermore, we are seeing a trend within the technical writing community in adopting the philosophy of "Documentation as Code".

### [Updates to Key Renewal on Mastercard Developers](https://developer.mastercard.com/blog/updates-to-key-renewal-on-mastercard-developers/index.md)

July 22, 2019

Key Management Process Authentication is the first step in interacting with Mastercard APIs. Every API call to Mastercard contains a Mastercard-issued signing key, which identifies the caller, ensures that the message has not been tampered with on route and verifies their unique relationship to us before authenticating to our gateway.
We base our key management standards on industry best practices and recommendations. For keys authenticating to our gateway, we use the one year validity period recommended by National Institute of Standards and Technology (NIST) (Special Publication 800-57, Part 1, Revision 4 ).

### [Untangling the Open Finance Web](https://developer.mastercard.com/blog/untangling-the-open-finance-web/index.md)

July 04, 2019

Account Servicing Payment Service Providers (ASPSPs) and Third Party Providers (TPPs) are facing major challenges trying to develop against fragmented Open Finance APIs. Inconsistent interpretations of standards has resulted in a poor developer experience which has limited consumer use.
Differing API standards across national/regional boundaries presents a development challenge to TPPs Directly integrating to every ASPSP in the EU is a daunting task for a large entity, and the return on investment would make it unfeasible for a smaller TPP Interpreting the response data from many markets makes standardizing decision logic tricky to implement TPPs spending time and resources to integrate across the ecosystem, are not spending those resources on innovating business differentiators How do I manage to connect to everyone, everywhere?

### [Consuming Mastercard APIs in Client Applications](https://developer.mastercard.com/blog/consuming-mastercard-apis-in-client-applications/index.md)

June 06, 2019

If you are a developer and have been using Mastercard services in the past few years, there is a big chance you added Mastercard SDKs (Software Development Kits ) to your applications.
SDKs really are quick wins. They are regular client code libraries pushed to public software repositories (Maven Central, NuGet, NpmJs, Packagist, etc.) with which you can get a response from a Mastercard service in a matter of minutes. For that, our documentation pages provide ready to be used code samples in the SDK language API, and the SDK handles everything for you: environment (stage, sandbox, production), security (authentication and encryption), transport, error handling.

### [Seamless, Digital Points Redemption for Rewarding Experiences](https://developer.mastercard.com/blog/how-many-rewards-programs-are-you-a-member-of/index.md)

May 03, 2019

How many rewards programs are you a member of? I have too many rewards programs to count---from airlines, hotels, retailers, and others---and each program offers a different way to redeem rewards. While some have flexible options and digital access, others carry limitations like expiration dates or requiring massive point accumulation to make a single redemption. At Mastercard we know that a great redemption experience is key to program engagement and stickiness.

### [Common Reselect Gotchas](https://developer.mastercard.com/blog/common-reselect-gotchas/index.md)

April 05, 2019

Reselect is a memoization library often used with Redux . If you're not familiar with the basics of these libraries, I'd read the introductory docs before returning to this post. Despite Reselects popularity, its nuances can be easily be misinterpreted, which can lead to losing out on the performance benefits Reselect is intended to provide.
In this post we'll give a brief overview of Reselect and why it's useful, with a focus on its usage with React and Redux.

### [The Path to Digital Transformation](https://developer.mastercard.com/blog/the-path-to-digital-transformation/index.md)

March 13, 2019

Every company's journey down the road of digital transformation is different. Mastercard is in the unusual position where our business has been digital to an extent for four decades -- we are a network and we've systematically integrated banks and merchants with first generation APIs to enable consumers to pay in real-time.
Other industries have undergone a more fundamental transformation: consumers no longer have to visit their local bank branch to pay bills or even arrange a loan, they can now do that from the comfort of their home; gone are the days where you visited a travel agency to plan a vacation or scheduled a car service by phone.

### [Why Open Finance Will Be Great for Banks](https://developer.mastercard.com/blog/why-open-finance-will-be-great-for-banks/index.md)

February 01, 2019

I love this video. It's an advert that ran in the US in 1977 heralding the introduction of 'point of sale terminals' -- a seminal moment in the history of card payments. The technology was conceived and built by the brilliant Bell Laboratories (who's other inventions include the transistor and unix operating system - powering how you're reading this).
Originally built on the telephone network, the point of sale terminal was embraced by banks and enablers (like Mastercard) who have evolved it into a global, standardized and highly reliable way to pay.

### [Automating Diagram Generation from Text](https://developer.mastercard.com/blog/automating-diagram-generation-from-text/index.md)

January 12, 2019

Within Mastercard, we have the regular need to create sequence diagrams. These diagrams are used within documentation, both internally and externally, as a tool to communicate the architecture of a software system. They can be used to describe both the internal workings of a system, and also its interactivity with other external systems. Why utilize diagrams in tech docs? These diagrams are utilized by several groups of users: the engineers involved in building a system, the third-party engineers involved in the implementation of our payment solutions within their own organizations, and also non-engineers who require detailed knowledge of a system and how its elements interact.

### [Crossing the Spaghetti Junction](https://developer.mastercard.com/blog/crossing-the-spaghetti-junction/index.md)

December 08, 2018

It's a task every company is faced with. Even if you're a one year old tech start-up running in a green field, you'll have accrued some level of technical debt by now. However, if you're a large successful company then years (decades) of product evolution, millions of lines of code, countless customer / market customizations, shoehorning regulatory compliance and multiple acquisitions inevitably scar you with an undesirable level of system complexity.

### [No data? No smartphone?](https://developer.mastercard.com/blog/no-data-no-smartphone-no-problem-how-to-reach-millions-of-customers-in-the-developing-world-with-technology/index.md)

November 03, 2018

In developing economies, mobile data connectivity is either patchy or expensive or both. We cannot be effective in developing solutions that address financial inclusion if these solutions are out of the reach for millions of potential customers. We know from research that mobile network penetration is on the rise all over the world and it is the dominant means of communication in the developing world. Millions of customers are making the switch from feature phones to smartphones.

### [Unleashing the Power of the ABU API to Reduce CNP Declines and Involuntary Churn](https://developer.mastercard.com/blog/unleashing-the-power-of-the-abu-api-to-reduce-cnp-declines-and-involuntary-churn/index.md)

October 19, 2018

Once upon a time the Mastercard account updater program known as ABU (Automatic Billing Updater), which provides account number and expiration data updates to reduce preventable declines and churn for card-not-present (CNP) merchants, could only deliver account updates once a day via a batch file. While the ABU batch file update process continues to work exceptionally well, the subscription economy is booming and there are more places for consumers to store their account credentials for quick and seamless payments.

### [Designing the Future of Authentication](https://developer.mastercard.com/blog/designing-the-future-of-authentication/index.md)

September 21, 2018

The Masters in Human Computer Interaction (MHCI) at Carnegie Mellon is one of the oldest and most respected programs available in the US for HCI. A big reason why most prospective students apply for the MHCI is for their Capstone Project.
The Capstone Project is an intense initiative sponsored by companies like Mastercard who actively champion innovation in technology and user experience (UX). It's a stellar opportunity for MHCI students to apply what they've learned and in turn deliver value to the companies who sponsor them.

### [Startup Bundles: Fintech Partnerships Enabled by API](https://developer.mastercard.com/blog/startup-bundles-fintech-partnerships-enabled-by-api/index.md)

September 07, 2018

The global perspective the Mastercard Start path team has been developing over the last five years has provided us with a unique insight into many market-changing startup trends. And one striking trend has the potential to transform the way that businesses work together for the long term -- the startup bundle.
In recent years, we've witnessed a gradual shift in the focus of early stage Fintech entrepreneurs. Rather than building their own brands and chewing off regulatory hurdles themselves, more and more founders are taking the smart route of partnering with existing players who already have trust in the market and compliance buttoned up.

### [Social Network Sharing for a Single Page Application](https://developer.mastercard.com/blog/social-sharing-for-a-single-page-application/index.md)

August 10, 2018

A few months back we decided to introduce a blog section on Mastercard Developers. Like any other product feature, we built our UI in an iterative manner focusing on content first. After testing with a few blog posts we decided we should add social network share buttons. It sounds simple but it turned out to be more difficult than we initially thought. The first time we tried to share a blog post on LinkedIn, it looked something like this:

### [The Vert.x Worker Model](https://developer.mastercard.com/blog/the-vertx-worker-model/index.md)

July 27, 2018

Payment gateways such as the Mastercard Payment Gateway process hundreds of millions of payments every day. Building and maintaining complex platforms such as gateways requires a team of engineers to study traffic patterns and ensure stability.
Our white label small business platform is a reactive system designed to be highly available: a reactive platform makes our platform responsive, resilient, elastic and message-driven. To build this platform, we have used Vert.x to call the various services required to process a payment -- all in an asynchronous fashion.

### [How Can You Make a Restaurant Recommendation from Mastercard Data?](https://developer.mastercard.com/blog/how-can-you-make-a-restaurant-recommendation-from-mastercard-data/index.md)

July 20, 2018

Have you ever traveled to a new destination and been faced with the daunting task of finding a place to eat that suits your tastes? Wouldn't it be great if you could ask a concierge, "these are my favorite places back home, what do you have like that here?" Mastercard has the data and algorithms to power such recommendations for dining, entertainment, and shopping.
The Data: a graph of merchants A key insight into the development of the recommender capability came from an observation about transaction data -- similar restaurants (in a geographic region) typically have a common set of patrons.

### [Mastercard API Business Workshop](https://developer.mastercard.com/blog/api-business-workshop/index.md)

July 13, 2018

This blog follows on from Oran's Applying an API Lens blog where he talks about the critical benefits of applying an API lens to your business and not just thinking of an API as a technical imperative. Here in Mastercard, we have created a program called the 'API Business Workshop' to help product teams undertake this assessment and this is what I'll cover in this latest blog.
Why is this important now?

### [Thoughts on Hiring for a Great Team](https://developer.mastercard.com/blog/thoughts-on-hiring-for-a-great-team/index.md)

July 06, 2018

I'm lucky, I get to work with some fantastic people on the Mastercard API team and across the teams we work with in Mastercard. Being responsible for APIs often involves re-thinking how we do business and automating tasks that previously were manual and labor intensive. So - are we in the business of putting folk out of jobs? Absolutely not, I see APIs unburdening humans from the mundane so we can spend more time thinking creatively about the art of the possible -- a far more appropriate task for our brains.

### [Innovating with Academia](https://developer.mastercard.com/blog/innovating-with-academia/index.md)

July 02, 2018

At Mastercard, we look for every opportunity to explore new technologies and come up with innovative solutions. To maximize what we can do, we work with startups and universities on different initiatives. Soon, we'll announce some of our partner startups. In this post, I'd like to share my experience in partnering with universities.
Over the past three years, we've worked with the Human Computer Interaction (HCI) Institute at Carnegie Mellon University.

### [Simplifying Checkouts for Your Customers](https://developer.mastercard.com/blog/simplifying-checkouts-for-your-customers/index.md)

June 22, 2018

Introducing new web standards for hassle free checkouts
At Mastercard we are committed to helping our acquiring bank customers compete in the ever changing payments marketplace. As the payments landscape evolves, banks are faced with new challenging ways to innovate and engage with their business customers. Mastercard can help banks compete in this space by offering white-labeled solutions including payment gateway services for their enterprise business customers and small business clients.

### [APIs Under the Hood](https://developer.mastercard.com/blog/apis-under-the-hood/index.md)

June 15, 2018

Summary Building a dynamic routing and discovery framework in-house at Mastercard
Providing a robust security framework for APIs at Mastercard
Evolving along with industry best practices
Mastercard Developers is our shop front. It's where the world goes to discover what Mastercard APIs are available to use and how you would go about using them. But let's peel back the covers and take a look at how we manage some of our APIs internally from a platform perspective.

### [Applying an API Lens](https://developer.mastercard.com/blog/applying-an-api-lens/index.md)

June 08, 2018

'Yeah, we already have an API'. I've heard that a few times. Folk often make the mistake of thinking that having an API means they have an API business. An API is a technical imperative to deliver a technology service. That service can be distributed in many ways, for example, via a web browser or phone app or smart watch or a plastic payment card.
So, you have an API but the question is -- do you have an API Business?

### [Mastercard Developers and GDPR](https://developer.mastercard.com/blog/mastercard-developers-and-gdpr/index.md)

June 01, 2018

What is the GDPR? In spring 2016, a new legal framework for collecting and processing personal data was adopted in the EU -- the General Data Protection Regulation (GDPR) -- which is enforce since May 25th 2018. The GDPR replaces the EU Data Protection law and strengthens controls that individuals have over their data and their right to privacy. Also, the GDPR applies to all companies that process the personal data of people living in the EU, not just those companies that are located in the EU.

### [Automated SDK Generation](https://developer.mastercard.com/blog/automated-sdk-generation/index.md)

May 26, 2018

The Mastercard Developers platform acts as the front door to dozens of Mastercard APIs, so when we started looking into the idea of offering SDKs to developers we knew we had to overcome several challenges:
We needed to be able to onboard Mastercard services without placing too much of a burden on the product teams responsible for those services. We wanted to make it as easy as possible for developers to embed our SDKs into their own applications.

### [Designing a Developer Platform](https://developer.mastercard.com/blog/designing-a-developer-platform-a-surprisingly-valuable-experience/index.md)

May 18, 2018

5 reasons why non-techy folks should work on a developer platform
When I joined Mastercard as a user experience designer in 2016, I wasn't sure what to expect. I was assigned to the team rebuilding the platform for Mastercard APIs, a field quite foreign to me. My previous experiences were all about consumer experiences; products I could explain to my parents in one sentence. Two years later, I'm very grateful for the experience.

### [Synthetic Monitoring](https://developer.mastercard.com/blog/synthetic-monitoring/index.md)

May 11, 2018

You've been working on your cool new service for months and now it's launch-time. You've told your friends, your colleagues and you've tried to create some buzz on the blogosphere. You've done your behavioral and scale testing and polished your UX, you've added logs and analytics to make sure users are engaged. You're excited, but paranoid - will your service work in the real world?
For the first couple of months you nurse your new baby, logging in proactively and regularly to make sure it's as wonderful as it should be.

### [Mastercard APIs Make Dining out Smarter](https://developer.mastercard.com/blog/mastercard-apis-make-dining-out-smarter/index.md)

May 04, 2018

"Just think about how often a conversation stalls because your friends (or you) have pulled out a phone and descended into an Instagram black hole. Whether you know it or not, you've been phubbed. "Phubbing" --- snubbing someone you're talking to to look at a cell phone --- may not be part of your everyday vocabulary, but it's almost certainly part of your everyday life." This is an excerpt from a recent Time article on the negative impact of using your phone in a conversation.

### [Going Beyond APIs](https://developer.mastercard.com/blog/going-beyond-apis/index.md)

April 27, 2018

Increasingly, to build services and to deliver solutions in the world today requires collaboration with others. It seems absurd to even think of building all of the software yourself so companies look to use the services of others through open APIs. Part of this trend of course also means that companies are becoming increasingly focused on making their own services available as APIs - understanding that this is a very important way to achieve distribution.

### [A Mastercard Plugin for Insomnia REST Client](https://developer.mastercard.com/blog/a-mastercard-plugin-for-insomnia-rest-client/index.md)

April 20, 2018

Insomnia is a popular open-source REST client application that works on Windows, Mac and Linux. It is a handy tool for developers to test API calls by simply filling in the parameters without writing any code. Insomnia offers a set of authentication methods out of box. However, at Mastercard, we are using OAuth 1.0a with SHA2 body hash for authentication. Due to this fact, it is not so straightforward to use the tool as-is to make calls to Mastercard APIs.

### [Partner with Mastercard to Deliver Great Consumer Experiences Through APIs](https://developer.mastercard.com/blog/partner-with-mastercard-to-deliver-great-consumer-experiences-through-apis/index.md)

April 10, 2018

In the very earliest days of Mastercard, we didn't have an API (Application Programming Interface) -- the shop attendant would call the bank to see if the card presented had enough credit to cover the purchase. This was card payments when the interface was human beings on the phone. For decades now, we've been scaling our payments API globally to the point where you simply expect your Mastercard to be accepted everywhere and work instantly.

### [Animating Particles with Javascript](https://developer.mastercard.com/blog/animating-particles-with-javascript/index.md)

April 04, 2018

Summary Mastercard Developers homepage animations are built in-house and in code by our designers and developers Creating the Mastercard Developers coded animations was a challenge with multiple iterations Mastercard Developers eventually built a tool that allows the design team to generate animations without any developments or deployments When the updated Mastercard Developers site launched in 2016, the homepage included a looping video clip. Simply put, it was too big--- about 3 MB in size---and too promotional.

### [Why Mastercard is Focusing on APIs](https://developer.mastercard.com/blog/why-mastercard-is-focusing-on-apis/index.md)

April 02, 2018

Summary Mastercard is investing in an API (Application Programming Interface) program to:
Open up, standardize and simplify access to its services Deliver value before, during and after the payment in a way never possible through plastic alone The Application Programming Interface (API) economy has expanded exponentially over the past seven years, registering a nine-fold increase in the number of APIs listed on ProgrammableWeb, with more than 1,800 new open APIs listed in 2017 alone.