# Mastercard Track™
source: https://developer.mastercard.com/track-umbrella-page/product/mastercard-track/index.md

### Benefits {#benefits}

Outdated, inefficient processes are still the norm in B2B payments, causing significant operational and financial challenges. Mastercard Track™ is a portfolio of Mastercard's Business-to-Business (B2B) products that reduce complexity and risk, cut costs and automate processes for businesses around the world.
![Improve efficiencies](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/improve_efficiencies.svg)

###### Improve efficiencies {#improve-efficiencies}

Reduce manual intervention, leverage enriched payment data, and automate AP/AR processes
![Enhance working capital](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/enhance_working_capital.svg)

###### Enhance working capital {#enhance-working-capital}

Accelerate acceptance, increase cash flow, and drive additional revenue
![Optimize payments](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/optimize_payments.svg)

###### Optimize payments {#optimize-payments}

Improve the way businesses pay or get paid with increased control and security

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### Modernize B2B payments With Mastercard Track™ {#modernize-b2b-payments-with-mastercard-tracktrade}

Mastercard Track™ enables Buyers and Suppliers to build flexible solutions that address many business-to-business (B2B) payment challenges. Buyer Payment Agents and Supplier Payment Agents can leverage Mastercard Track's core, virtual card, and intelligence services standalone or in conjunction based on their B2B payment needs.

![How it works](https://static.developer.mastercard.com/content/track-umbrella-page/uploads/how-it-works.png)

\*InControl APIs: InControl for Commercial Payments, InControl for Mobile Payments and InControl for Business Travel

##### APIs for flexible B2B solutions {#apis-for-flexible-b2b-solutions}

###### Network Services {#network-services}

At the heart of Mastercard Track is Mastercard Track Business Payment Service, which enables **Core Services by offering an open loop network to connect** Buyer Payment Agents, Supplier Payment Agents, Buyers and Suppliers.

###### Virtual Card Services {#virtual-card-services}

Address the economic, ergonomic and enablement challenges surrounding Virtual Card Numbers (VCNs) with **Virtual Card Services** such as InControl for Commercial Payments and Straight Through Processing. Virtual Card Services can be leveraged standalone or integrate with Mastercard Track Business Payment Service APIs.

###### Intelligence Services {#intelligence-services}

With payment data as the bedrock of Mastercard Track, **Intelligence Services** such as Mastercard Track Search and Track Decision Engine can enable Buyer Payment Agents and Supplier Payment Agents to further optimize commercial payments for customers. Intelligence Services can be leveraged standalone or integrate with Mastercard Track Business Payment Service APIs.

For a services overview and potential use cases, see [Mastercard Track at a Glance](https://developer.mastercard.com/track-umbrella-page/documentation/).

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### Mastercard Track™ APIs {#mastercard-tracktrade-apis}

##### Mastercard Track Business Payment Service {#mastercard-track-business-payment-service}

###### Buyer Payment Agent {#buyer-payment-agent}

Buyer Payment Agents can register Buyers, link to their customers' Suppliers to retrieve detailed payment preferences, validate routing accuracy, submit card, A2A, and supply chain financed payment instructions with rich remittance data, and receive real-time statuses.  

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[Learn more](https://developer.mastercard.com/product/mastercard-track-business-payment-service) \| [Documentation](https://developer.mastercard.com/mastercard-track-buyer-payment-agent/documentation/)

###### Supplier Payment Agent {#supplier-payment-agent}

Supplier Payment Agents register Suppliers, validate Buyers' requests to pay its Suppliers via Linking, receive card, A2A, and supply chain financed payment instructions with rich remittance data, and update payment instruction status.  

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[Learn more](https://developer.mastercard.com/product/mastercard-track-business-payment-service) \| [Documentation](https://developer.mastercard.com/mastercard-track-supplier-payment-agent/documentation/)

##### Virtual Card Services {#virtual-card-services}

###### Buyer Payment Agent {#buyer-payment-agent}

###### In Control for Commercial Payments {#in-control-for-commercial-payments}

Buyers can dynamically generate unique virtual card numbers (VCNs) to securely pay Suppliers with spending controls and enhanced data.  

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[Learn more](https://developer.mastercard.com/product/in-control-for-commercial-payments/) \| [Documentation](https://developer.mastercard.com/iccp/documentation/)

###### Supplier Payment Agent {#supplier-payment-agent}

###### Straight Through Processing {#straight-through-processing}

Suppliers can receive virtual card payments directly from their acquirers without manual intervention.  

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[Learn more](https://developer.mastercard.com/product/straight-through-processing-stp) \| [Documentation](https://developer.mastercard.com/straight-through-processing/documentation)

##### Intelligence Services {#intelligence-services}

###### Buyer Payment Agent / Supplier Payment Agent {#buyer-payment-agent--supplier-payment-agent}

###### Mastercard Track Search {#mastercard-track-search}

Buyers and Suppliers can identify trading partners, payment methods, and discover Mastercard Track Business Payment Service activity to accelerate commercial payment optimization and card enablement.  

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[Learn more](https://developer.mastercard.com/product/track-search) \| [Documentation](https://developer.mastercard.com/track-search/documentation)

###### Buyer Payment Agent {#buyer-payment-agent}

###### Mastercard Track Decision Engine {#mastercard-track-decision-engine}

Buyers can optimize payments with recommendations based on Buyer and Supplier payment preferences.  

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[Learn more](https://developer.mastercard.com/product/track-decision) \| [Documentation](https://developer.mastercard.com/track-decision/documentation)

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