# Mastercard Cloud Commerce
source: https://developer.mastercard.com/mastercard-gateway/documentation/gateway-features/cloud-commerce/index.md

## Build with Mastercard Cloud Commerce {#build-with-mastercard-cloud-commerce}

### Seamless Integration with Mastercard Cloud Commerce {#seamless-integration-with-mastercard-cloud-commerce}

Cloud Commerce is designed to work hand‑in‑hand with the Mastercard Gateway, enabling developers to process Tap on Phone transactions through a trusted global payment platform. With this integration, you can:

* Accept contactless payments on mobile devices using the Mastercard Gateway integrated Cloud Commerce Mobile Application or SDK.
* Route transactions securely through the Mastercard Gateway for authorization and settlement.
* Leverage a unified API ecosystem for both in‑person and online acceptance, reducing complexity and accelerating go‑to‑market.

This combined solution delivers a cloud-native, EMVCo, and PCI-compliant approach to acceptance, ensuring flexibility for merchants and scalability for developers. See [Mastercard Cloud Commerce](https://developer.mastercard.com/product/cloud-commerce#resources).

### Card‑present mobile acceptance {#cardpresent-mobile-acceptance}

Cloud Commerce is a cloud-based, MPoC pre‑certified acceptance solution that handles Tap on Phone and Pay by Link journeys while the actual authorization or refund runs through the Mastercard Gateway APIs.

## Recommended paths {#recommended-paths}

Select the path that matches your role and integration requirements.

|                                 If you are a...                                  |                          Then focus on...                          |
|----------------------------------------------------------------------------------|--------------------------------------------------------------------|
| **Enterprise merchant**, a large merchant integrating directly with Gateway APIs | Uses features backed by Cloud Commerce, such as Click to Pay.      |
| **Payment service provider**, a PSP, aggregator, or payment facilitator          | Integrates and scales Cloud Commerce capabilities.                 |
| **Software vendor**, an ISV embedding payment flows into platforms               | Builds solutions using gateway features powered by Cloud Commerce. |