# Mastercard Processing
source: https://developer.mastercard.com/mastercard-processing-core/product/mastercard-processing/index.md
### Key benefits {#key-benefits}
Connect with the resources that you need to get to market quickly, scale sustainably, and make your vision a reality.
###### Proven technology {#proven-technology}
Offers the best-in-class processing platform that drives Mastercard innovation, with services exposed over Open APIs.
###### Flexible solution {#flexible-solution}
Provides a highly configurable payment solution covering multiple use cases across the consumer prepaid, debit, credit, and commercial payment spaces.
###### Reliable service {#reliable-service}
Delivers scalable and high-availability transaction processing through the Mastercard network.
###### Secure and compliant {#secure-and-compliant}
Imparts physical and logical Mastercard grade security, Payment Card Industry Data Security Standard (PCI DSS), General Data Protection Regulation (GDPR), and data privacy.
###### Global coverage {#global-coverage}
Presents multi-tenant, multi-country, and multi-currency on a single core platform that supports issuer global expansion.
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### How it works {#how-it-works}
Mastercard Processing APIs cover the entire product lifecycle, from setting up a client, creating accounts, and ordering a card that can be instantly tokenized. All kinds of mobile PAYs and wearables are supported, such as Apple, Google, Samsung, Xiaomi, Fitbit, Garmin, Swatch, Card on File, and Issuer Wallet (HCE).
APIs can be used to manage all different card products (prepaid, debit, and credit). [Digital First](https://developer.mastercard.com/solutions/digital-first/) cards can be issued with a physical option. Multiple physical cards and designs are available, including various shapes and materials, such as platinum, metal, and eco-friendly materials.
APIs can also be leveraged throughout the transaction lifecycle, starting from authorization, transaction clearing, dispute management, and fraud prevention rules management.
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### Use cases {#use-cases}
###### Instant card issuance {#instant-card-issuance}
Issue any card product, namely prepaid, debit, credit, combo, or commercial, in virtual, physical, or both forms. During the card lifecycle, a card can be blocked, unblocked, deactivated, renewed, or replaced using the API.
###### PIN management {#pin-management}
Issuers can utilize the API to provide cardholders with essential PIN-related operations in digital channels, including setting, verifying, or displaying the PIN. Moreover, the API allows for resetting the PIN try counter.
###### Usage limits management {#usage-limits-management}
Effectively manage spending limits for cardholders across various categories, including e-commerce, retail, and ATM withdrawals. Control aspects of these limits, such as the amount and the number of transactions allowed daily or monthly.
###### Data management {#data-management}
Efficiently manage client, account, and card data throughout the card lifecycle, including retrieving card details (PAN, CVC, expiry date) and accessing transaction history within a specified date range.
###### 3D Secure Access Control Server {#3d-secure-access-control-server}
Authenticate 3D Secure (3DS) transactions using your existing authentication solutions, including biometrics, ensuring secure, flexible, and efficient authentication for cardholders leveraging Mastercard Processing ACS.
###### Tokenization process support {#tokenization-process-support}
PAN-less customers can utilize the API to produce encrypted payloads for in-app provisioning or in-app verification. Manage the token lifecycle, by changing token status, relinking to different cards, or retrieving information about tokens.
###### Automate chargeback process {#automate-chargeback-process}
Streamline and automate dispute management, improving cardholder satisfaction. Create dispute cases, upload supporting documents, and access detailed dispute information.
###### Advanced fraud prevention {#advanced-fraud-prevention}
Gain customizable fraud controls and detailed reporting on a card level, enabling seamless rule configuration, parameter updates, rule toggling, and counter resets.
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### Why use it {#why-use-it}
###### A need for speed. Innovative banking products have built an appetite for real-time solutions in issuance, payments and customer service, especially among millennials. {#a-need-for-speed-innovative-banking-products-have-built-an-appetite-for-real-time-solutions-in-issuance-payments-and-customer-service-especially-among-millennials}
### 69%
of consumers want their entire financial lifecycle on digital channels
Oracle Financial Services Global Retail Banking Survey, 2018
The New Digital Demand in Retail Banking, 2018
Lightspeed Payment Card Switching Behavior, August 2018
### #1
debit cards ranked as the most popular online payment method
Statista, Europe: retail e-commerce revenue forecast from 2017 to 2024, May 2021
### 5.2 billion
projected growth (in 2026) from 3.4 billion (in 2022) in the number of digital wallets in use
Digital Wallets - Accelerating to a Cashless Society, Juniper Research
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### Resources {#resources}
Core API
A basic set of APIs enabling debit, credit, and prepaid cards management (card issuance, PIN management, usage limits management, transactions and fees management, and managing and retrieving various data from the Mastercard Processing Card Management System)
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**Used By** Issuers **Regions** Europe and Middle East and Africa (MEA) **Supports**  Debit API
APIs for use case dedicated to debit cards (update Mastercard Processing Stand-In Processing balance)
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**Used By** Issuers **Regions** Europe and Middle East and Africa (MEA) **Supports**  Credit API
APIs for use cases dedicated to credit cards (set credit limit and retrieve billing cycles details) and installment loans lifecycle management
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**Used By** Issuers **Regions** Europe and Middle East and Africa (MEA) **Supports** 
##### Value added services {#value-added-services}
*(Optional services for issuers who issue cards with Mastercard Processing using the Core API)*
Authentication Hub API
APIs to support Issuer's cardholders' 3-D Secure transactions authentication with Mastercard Processing Access Control Server (ACS) provider
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**Used By** Issuers **Regions** Europe and Middle East and Africa (MEA) **Supports** 
Digital API
APIs for issuers to support card tokenization and manage tokens throughout their lifecycle, including retrieving token details and suspending, resuming, deleting, or relinking tokens to another card.
For PAN-less issuers, the APIs also generate encrypted card payloads to:
* Add a card to Apple Pay, Google Pay, or Samsung Pay from the issuer's app (push provisioning)
* Verify the cardholder in the issuer's app when a card is added to a wallet (in-app verification, TAV)
* Enroll a card in Click to Pay
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**Used By** Issuers **Regions** Europe and Middle East and Africa (MEA) **Supports**  Dispute API
APIs to simplify dispute and chargeback process
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**Used By** Issuers **Regions** Europe and Middle East and Africa (MEA) **Supports**  Fraud API
APIs to manage fraud rules parameters
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**Used By** Issuers **Regions** Europe and Middle East and Africa (MEA) **Supports**  Mastercard Services API
APIs to provide PAN-less issuers with an encrypted card payload that can be forwarded to Mastercard APIs requiring the full PAN, without exposing the plain card number (PAN)
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**Used By** Issuers **Regions** Europe and Middle East and Africa (MEA) **Supports** 
Click [here](https://ec.europa.eu/eurostat/statistics-explained/index.php?title=Glossary:European_Economic_Area_(EEA)) for details on the European Economic Area.
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### Ready to get started? {#ready-to-get-started}
Follow the steps below.
###### 1. Initiate the program {#1-initiate-the-program}
Reach out to your [Mastercard representative](mailto:m.p.commercial@mastercard.com;) to sign the Early Start Agreement and Scope of Work.
###### 2. Develop {#2-develop}
Sign up to the Mastercard Developers and create a project to integrate with Sandbox.
###### 3. Set up the Issuer {#3-set-up-the-issuer}
Once complete, the Mastercard Processing Project team will be assigned to assist with your product implementation.
Complete the parameterization workbook and project plan sign-off.
Product configuration completion.
###### 4. Test {#4-test}
Test your implementation before going live.
User Acceptance Testing (UAT) sign-off.
###### 5. Go live {#5-go-live}
Request Production access in Mastercard Developers to launch.
Product and API configuration production deployment.
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