# Merchant Cloud source: https://developer.mastercard.com/merchant-cloud/product/merchant-cloud/index.md ## Powering Growth with Agentic Commerce {#powering-growth-with-agentic-commerce} ##### Through Merchant Cloud, merchants and consumers benefit from one network, with endless possibilities for commerce innovation. {#through-merchant-cloud-merchants-and-consumers-benefit-from-one-network-with-endless-possibilities-for-commerce-innovation} ## Agent Suite for Merchants {#agent-suite-for-merchants} ##### Bring AI-Powered Commerce to Merchants {#bring-ai-powered-commerce-to-merchants} Enable merchants to create intelligent shopping experiences, connect AI agents to trusted payment services, and unlock new ways to engage customers across the commerce journey. View documentation ![Mastercard image](https://static.developer.mastercard.com/content/merchant-cloud/product/img/carousel_01.png) ## Agent Connect {#agent-connect} ##### Connect AI Agents to Trusted Payments {#connect-ai-agents-to-trusted-payments} Enable AI-powered shopping experiences with a Mastercard-managed connection layer that helps agents securely retrieve payment credentials and complete purchases on behalf of consumers. View documentation ![Mastercard image](https://static.developer.mastercard.com/content/merchant-cloud/product/img/carousel_02.png) ## Agentic Tokenization {#agentic-tokenization} ##### Provide Trusted Agentic Payments {#provide-trusted-agentic-payments} Enable AI agents to securely retrieve and use delegated payment credentials, helping merchants deliver seamless purchasing experiences while protecting sensitive payment data. View documentation ![Mastercard image](https://static.developer.mastercard.com/content/merchant-cloud/product/img/carousel_03.png) ## Products \& Services {#products--services} #### Powering tomorrow's growth calls for connecting the right dots, right now. Explore our APIs to unlock the solutions you need today and seamlessly expand your capabilities as your business grows. {#powering-tomorrows-growth-calls-for-connecting-the-right-dots-right-now-explore-our-apis-to-unlock-the-solutions-you-need-today-and-seamlessly-expand-your-capabilities-as-your-business-grows} AGENTIC COMMERCE ##### Agent Suite for Merchants {#agent-suite-for-merchants} Helping merchants turn owned channels into intelligent shopping experiences that build loyalty, deepen engagement, and drive growth. Learn more Digital \& acceptance ##### Mastercard Agent Pay {#mastercard-agent-pay} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more Digital \& acceptance ##### Mastercard Cloud Commerce {#mastercard-cloud-commerce} Enable a cloud-based, secure, and low-cost payment acceptance solution by integrating with our API, SDK, deep linking, or by using our white-label application. Learn more Digital \& acceptance ##### Click to Pay {#click-to-pay} Click to Pay makes online checkout fast, easy, and secure. Store your cards once and pay in just a click from any device or browser. Learn more Scheme Tokenization ##### Hosted Batch {#hosted-batch} Enables merchants to process multiple transactions by combining payments, captures and refunds into a single secure batch. Learn more Digital \& acceptance ##### Reporting API {#reporting-api} Reporting lets you access, download, and automate detailed transaction reports in real time for smarter payment insights. Learn more Digital \& acceptance ##### Hosted Checkout {#hosted-checkout} Offers merchants a secure, seamless global gateway with built-in checkout to boost customer trust and transaction success. Learn more security solutions ##### EMV 3-D Secure {#emv-3-d-secure} Enhance online payment security with EMV 3-D Secure, offering authentication and reduced fraud for cardholders and merchants. Learn more Digital \& acceptance ##### Payment Optimization Platform (POP) {#payment-optimization-platform-pop} POP uses data to improve authorization messages in real time and help turn financial declines into approvals. Learn more Digital \& acceptance ##### Domestic Schemes {#domestic-schemes} Enables merchants to offer flexible regional payment options, making it easier for customers to pay the way they prefer. Learn more Digital \& acceptance ##### Tokenization {#tokenization} Protect card data with Tokenization. Replace sensitive info with secure tokens for safer, streamlined transactions. Learn more Digital \& acceptance ##### Data Insights {#data-insights} Easily add custom or industry-specific data to each transaction, securely stored and accessible through Merchant Cloud. Learn more Digital \& acceptance ##### Token Authentication Service {#token-authentication-service} Secure transactions with Token Authentication, verify users using tokenized credentials for fast, safe, and trusted payments. Learn more security solutions ##### Risk Service Provider Interface {#risk-service-provider-interface} Integrate risk scoring into your payment flow to detect and reduce fraud in real time. Learn more value added services ##### Dynamic Currency Conversion (DCC) {#dynamic-currency-conversion-dcc} Offer real-time exchange rates, letting payers choose to pay in your currency or their card's currency. Learn more Digital \& acceptance ##### Automatic Billing Updater {#automatic-billing-updater} Streamlining account lifecycle management for credential-on-file and recurring payments to boost card-not-present authorizations. Learn more security solutions ##### Risk Decisioning {#risk-decisioning} Detect and prevent fraud in real time with Brighterion AI. Mastercard' smart solution for secure, scalable transaction risk management. Learn more value added services ##### Alternate Payment Methods {#alternate-payment-methods} Accept digital wallets, bank transfers, and local payment options to reach more customers and boost conversions globally. Learn more Digital \& acceptance ##### Installments {#installments} Enable to let merchants offer flexible payment plans, splitting purchases into scheduled installments at checkout or post-purchase. Learn more Digital \& acceptance ##### Direct Payment {#direct-payment} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more Digital \& acceptance ##### Direct Payment {#direct-payment} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more Digital \& acceptance ##### Mastercard Agent Pay {#mastercard-agent-pay} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more Digital \& acceptance ##### Mastercard Cloud Commerce {#mastercard-cloud-commerce} Enable a cloud-based, secure, and low-cost payment acceptance solution by integrating with our API, SDK, deep linking, or by using our white-label application. Learn more Digital \& acceptance ##### Click to Pay {#click-to-pay} Click to Pay makes online checkout fast, easy, and secure. Store your cards once and pay in just a click from any device or browser. Learn more Scheme Tokenization ##### Hosted Batch {#hosted-batch} Enables merchants to process multiple transactions by combining payments, captures and refunds into a single secure batch. Learn more Digital \& acceptance ##### Reporting API {#reporting-api} Reporting lets you access, download, and automate detailed transaction reports in real time for smarter payment insights. Learn more Digital \& acceptance ##### Hosted Checkout {#hosted-checkout} Offers merchants a secure, seamless global gateway with built-in checkout to boost customer trust and transaction success. Learn more security solutions ##### EMV 3-D Secure {#emv-3-d-secure} Enhance online payment security with EMV 3-D Secure, offering seamless authentication and reduced fraud for cardholders and merchants. Learn more Digital \& acceptance ##### Payment Optimization Platform (POP) {#payment-optimization-platform-pop} POP uses data to improve authorization messages in real time and help turn financial declines into approvals. Learn more Digital \& acceptance ##### Domestic Schemes {#domestic-schemes} Enables merchants to offer flexible regional payment options, making it easier for customers to pay the way they prefer. Learn more Digital \& acceptance ##### Tokenization {#tokenization} Protect card data with Tokenization. Replace sensitive info with secure tokens for safer, streamlined transactions. Learn more Digital \& acceptance ##### Data Insights {#data-insights} Easily add custom or industry-specific data to each transaction, securely stored and accessible through Merchant Cloud. Learn more Digital \& acceptance ##### Token Authentication Service {#token-authentication-service} Secure transactions with Token Authentication, verify users using tokenized credentials for fast, safe, and trusted payments. Learn more security solutions ##### Risk Service Provider Interface {#risk-service-provider-interface} Integrate risk scoring into your payment flow to detect and reduce fraud in real time. Learn more value added services ##### Dynamic Currency Conversion (DCC) {#dynamic-currency-conversion-dcc} Offer real-time exchange rates, letting payers choose to pay in your currency or their card's currency. Learn more Digital \& acceptance ##### Automatic Billing Updater {#automatic-billing-updater} Streamlining account lifecycle management for credential-on-file and recurring payments to boost card-not-present authorizations. Learn more security solutions ##### Risk Decisioning {#risk-decisioning} Detect and prevent fraud in real time with Brighterion AI. Mastercard' smart solution for secure, scalable transaction risk management. Learn more value added services ##### Alternate Payment Methods {#alternate-payment-methods} Accept digital wallets, bank transfers, and local payment options to reach more customers and boost conversions globally. Learn more Digital \& acceptance ##### Installments {#installments} Enable to let merchants offer flexible payment plans, splitting purchases into scheduled installments at checkout or post-purchase. Learn more AGENTIC COMMERCE ##### Agent Suite for Merchants {#agent-suite-for-merchants} Helping merchants turn owned channels into intelligent shopping experiences that build loyalty, deepen engagement, and drive growth. Learn more Digital \& acceptance ##### Mastercard Agent Pay {#mastercard-agent-pay} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more Digital \& acceptance ##### Mastercard Cloud Commerce {#mastercard-cloud-commerce} Enable a cloud-based, secure, and low-cost payment acceptance solution by integrating with our API, SDK, deep linking, or by using our white-label application. Learn more Digital \& acceptance ##### Click to Pay {#click-to-pay} Click to Pay makes online checkout fast, easy, and secure. Store your cards once and pay in just a click from any device or browser. Learn more Scheme Tokenization ##### Hosted Batch {#hosted-batch} Enables merchants to process multiple transactions by combining payments, captures and refunds into a single secure batch. Learn more Digital \& acceptance ##### Reporting API {#reporting-api} Reporting lets you access, download, and automate detailed transaction reports in real time for smarter payment insights. Learn more Digital \& acceptance ##### Hosted Checkout {#hosted-checkout} Offers merchants a secure, seamless global gateway with built-in checkout to boost customer trust and transaction success. Learn more security solutions ##### EMV 3-D Secure {#emv-3-d-secure} Enhance online payment security with EMV 3-D Secure, offering seamless authentication and reduced fraud for cardholders and merchants. Learn more Digital \& acceptance ##### Payment Optimization Platform (POP) {#payment-optimization-platform-pop} POP uses data to improve authorization messages in real time and help turn financial declines into approvals. Learn more Digital \& acceptance ##### Domestic Schemes {#domestic-schemes} Enables merchants to offer flexible regional payment options, making it easier for customers to pay the way they prefer. Learn more Digital \& acceptance ##### Tokenization {#tokenization} Protect card data with Tokenization. Replace sensitive info with secure tokens for safer, streamlined transactions. Learn more Digital \& acceptance ##### Data Insights {#data-insights} Easily add custom or industry-specific data to each transaction, securely stored and accessible through Merchant Cloud. Learn more Digital \& acceptance ##### Token Authentication Service {#token-authentication-service} Secure transactions with Token Authentication, verify users using tokenized credentials for fast, safe, and trusted payments. Learn more security solutions ##### Risk Service Provider Interface {#risk-service-provider-interface} Integrate risk scoring into your payment flow to detect and reduce fraud in real time. Learn more value added services ##### Dynamic Currency Conversion (DCC) {#dynamic-currency-conversion-dcc} Offer real-time exchange rates, letting payers choose to pay in your currency or their card's currency. Learn more Digital \& acceptance ##### Automatic Billing Updater {#automatic-billing-updater} Streamlining account lifecycle management for credential-on-file and recurring payments to boost card-not-present authorizations. Learn more security solutions ##### Risk Decisioning {#risk-decisioning} Detect and prevent fraud in real time with Brighterion AI. Mastercard' smart solution for secure, scalable transaction risk management. Learn more value added services ##### Alternate Payment Methods {#alternate-payment-methods} Accept digital wallets, bank transfers, and local payment options to reach more customers and boost conversions globally. Learn more Digital \& acceptance ##### Installments {#installments} Enable to let merchants offer flexible payment plans, splitting purchases into scheduled installments at checkout or post-purchase. Learn more Digital \& acceptance ##### Direct Payment {#direct-payment} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more AGENTIC COMMERCE ##### Agent Suite for Merchants {#agent-suite-for-merchants} Helping merchants turn owned channels into intelligent shopping experiences that build loyalty, deepen engagement, and drive growth. Learn more Digital \& acceptance ##### Mastercard Agent Pay {#mastercard-agent-pay} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more Digital \& acceptance ##### Mastercard Cloud Commerce {#mastercard-cloud-commerce} Enable a cloud-based, secure, and low-cost payment acceptance solution by integrating with our API, SDK, deep linking, or by using our white-label application. Learn more Digital \& acceptance ##### Click to Pay {#click-to-pay} Click to Pay makes online checkout fast, easy, and secure. Store your cards once and pay in just a click from any device or browser. Learn more Scheme Tokenization ##### Hosted Batch {#hosted-batch} Enables merchants to process multiple transactions by combining payments, captures and refunds into a single secure batch. Learn more Digital \& acceptance ##### Reporting API {#reporting-api} Reporting lets you access, download, and automate detailed transaction reports in real time for smarter payment insights. Learn more Digital \& acceptance ##### Hosted Checkout {#hosted-checkout} Offers merchants a secure, seamless global gateway with built-in checkout to boost customer trust and transaction success. Learn more security solutions ##### EMV 3-D Secure {#emv-3-d-secure} Enhance online payment security with EMV 3-D Secure, offering seamless authentication and reduced fraud for cardholders and merchants. Learn more Digital \& acceptance ##### Domestic Schemes {#domestic-schemes} Enables merchants to offer flexible regional payment options, making it easier for customers to pay the way they prefer. Learn more Digital \& acceptance ##### Tokenization {#tokenization} Protect card data with Tokenization. Replace sensitive info with secure tokens for safer, streamlined transactions. Learn more Digital \& acceptance ##### Data Insights {#data-insights} Easily add custom or industry-specific data to each transaction, securely stored and accessible through Merchant Cloud. Learn more Digital \& acceptance ##### Token Authentication Service {#token-authentication-service} Secure transactions with Token Authentication, verify users using tokenized credentials for fast, safe, and trusted payments. Learn more security solutions ##### Risk Service Provider Interface {#risk-service-provider-interface} Integrate risk scoring into your payment flow to detect and reduce fraud in real time. Learn more value added services ##### Dynamic Currency Conversion (DCC) {#dynamic-currency-conversion-dcc} Offer real-time exchange rates, letting payers choose to pay in your currency or their card's currency Learn more Digital \& acceptance ##### Automatic Billing Updater {#automatic-billing-updater} Streamlining account lifecycle management for credential-on-file and recurring payments to boost card-not-present authorizations. Learn more value added services ##### Alternate Payment Methods {#alternate-payment-methods} Accept digital wallets, bank transfers, and local payment options to reach more customers and boost conversions globally. Learn more Digital \& acceptance ##### Installments {#installments} Enable to let merchants offer flexible payment plans, splitting purchases into scheduled installments at checkout or post-purchase. Learn more Digital \& acceptance ##### Direct Payment {#direct-payment} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more AGENTIC COMMERCE ##### Agent Suite for Merchants {#agent-suite-for-merchants} Helping merchants turn owned channels into intelligent shopping experiences that build loyalty, deepen engagement, and drive growth. Learn more Digital \& acceptance ##### Mastercard Agent Pay {#mastercard-agent-pay} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more Digital \& acceptance ##### Mastercard Cloud Commerce {#mastercard-cloud-commerce} Enable a cloud-based, secure, and low-cost payment acceptance solution by integrating with our API, SDK, deep linking, or by using our white-label application. Learn more Digital \& acceptance ##### Click to Pay {#click-to-pay} Click to Pay makes online checkout fast, easy, and secure. Store your cards once and pay in just a click from any device or browser. Learn more Scheme Tokenization ##### Hosted Batch {#hosted-batch} Enables merchants to process multiple transactions by combining payments, captures and refunds into a single secure batch. Learn more Digital \& acceptance ##### Reporting API {#reporting-api} Reporting lets you access, download, and automate detailed transaction reports in real time for smarter payment insights. Learn more Digital \& acceptance ##### Hosted Checkout {#hosted-checkout} Offers merchants a secure, seamless global gateway with built-in checkout to boost customer trust and transaction success. Learn more security solutions ##### EMV 3-D Secure {#emv-3-d-secure} Enhance online payment security with EMV 3-D Secure, offering seamless authentication and reduced fraud for cardholders and merchants. Learn more Digital \& acceptance ##### Payment Optimization Platform (POP) {#payment-optimization-platform-pop} POP uses data to improve authorization messages in real time and help turn financial declines into approvals. Learn more Digital \& acceptance ##### Domestic Schemes {#domestic-schemes} Enables merchants to offer flexible regional payment options, making it easier for customers to pay the way they prefer. Learn more Digital \& acceptance ##### Tokenization {#tokenization} Protect card data with Tokenization. Replace sensitive info with secure tokens for safer, streamlined transactions. Learn more Digital \& acceptance ##### Data Insights {#data-insights} Easily add custom or industry-specific data to each transaction, securely stored and accessible through Merchant Cloud. Learn more Digital \& acceptance ##### Token Authentication Service {#token-authentication-service} Secure transactions with Token Authentication, verify users using tokenized credentials for fast, safe, and trusted payments. Learn more security solutions ##### Risk Service Provider Interface {#risk-service-provider-interface} Integrate risk scoring into your payment flow to detect and reduce fraud in real time. Learn more value added services ##### Dynamic Currency Conversion (DCC) {#dynamic-currency-conversion-dcc} Offer real-time exchange rates, letting payers choose to pay in your currency or their card's currency. Learn more Digital \& acceptance ##### Automatic Billing Updater {#automatic-billing-updater} Streamlining account lifecycle management for credential-on-file and recurring payments to boost card-not-present authorizations. Learn more value added services ##### Alternate Payment Methods {#alternate-payment-methods} Accept digital wallets, bank transfers, and local payment options to reach more customers and boost conversions globally. Learn more Digital \& acceptance ##### Installments {#installments} Enable to let merchants offer flexible payment plans, splitting purchases into scheduled installments at checkout or post-purchase. Learn more Digital \& acceptance ##### Direct Payment {#direct-payment} Transaction Processing handles your full payment process, letting you manage transactions, pages, and payment details. Learn more ## Benefits {#benefits} With Merchant Cloud, we are powering tomorrow's growth by connecting the dots today. ![Simplify payment complexity](https://static.developer.mastercard.com/content/merchant-cloud/product/img/thumbs-up-icon.png) ## Simplify payment complexity {#simplify-payment-complexity} Merchant Cloud enables you to focus on what matters. Our dynamic, modular services are pre-integrated and scalable for your business. ![Connect the ecosystem](https://static.developer.mastercard.com/content/merchant-cloud/product/img/dots-icon.png) ## Connect the ecosystem {#connect-the-ecosystem} Leveraging one of the world's largest networks, Merchant Cloud can connect you to new solutions and partners to help you meet your merchant's needs. ![Global expertise](https://static.developer.mastercard.com/content/merchant-cloud/product/img/world-icon.png) ## Global expertise {#global-expertise} With over 28 years of experience, Merchant Cloud has the industry knowledge and bespoke solutions you need to innovate and future proof your business. ![alt text](https://static.developer.mastercard.com/content/merchant-cloud/product/img/shield-icon.png) ## Secure payments {#secure-payments} Protect your merchant's transactions with Merchant Cloud's cutting-edge services ## Getting Started with Agentic Commerce {#getting-started-with-agentic-commerce} Merchants and Partners can use these guides to understand where to start today and how to evolve their payment experience as agent‑driven commerce grows. ### New to Agentic Commerce? {#new-to-agentic-commerce} Understand what agent‑initiated payments are, why they matter, and how AI agents are changing discovery and checkout. How AI Agents Are Transforming Commerce ### Ready to start with Agentic Commerce? {#ready-to-start-with-agentic-commerce} Learn how AI agents interact with today's web‑based checkout and the changes that help them complete payments reliably. Developer Playbook for Agentic Commerce ## Support for merchants in one place. {#support-for-merchants-in-one-place} By building a robust network of connections and partners, we empower customers worldwide --- shaping what comes next by unlocking what is possible now. Explore APIs ![alt text](https://static.developer.mastercard.com/content/merchant-cloud/product/img/light-squares.svg) ## A single platform solution {#a-single-platform-solution} Industry-leading commerce solutions on a single, open platform. ###### Acquirers {#acquirers} Position your brand to succeed ###### Payment service providers {#payment-service-providers} Connect to new innovative players easily ###### Software vendors {#software-vendors} Expand into payments easily ###### Enterprise merchants {#enterprise-merchants} Give consumers seamless, secure payments ###### Payment facilitators {#payment-facilitators} Navigate challenges and risks as you grow ###### Marketplaces {#marketplaces} Enter new markets easily ## Why use it {#why-use-it} #### The ways consumers pay are constantly changing. {#the-ways-consumers-pay-are-constantly-changing} Merchants constantly need to evolve and enhance the checkout experience. Managing multiple integrations and entering new global geographies can be complex and costly when providing a secure platform that meets consumer demand. ### 8 Billion ### Transactions {#transactions} Powering commerce to 200+ acquirers in 170+ markets per year ### 35+ ### Payment Methods {#payment-methods} Select the digital solutions that you want ### 20 Billion ### API Calls {#api-calls} Processing 500k merchants annually with 99.95% availability ### Level 1 ### PCI Compliance {#pci-compliance} For security and compliance, tokenization, authentication. ### Resources {#resources} Check out some of the most popular ways to build with Merchant Cloud. Mastercard Gateway Utilize Mastercard Gateway to enable payments across a variety of channels and sectors *** ** * ** *** **Used By** Originating institutions, Transaction initiators (Issuers, Acquirers, Fintechs) **Regions** This API is available in most markets **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)![visa card](https://developer.mastercard.com/img/card_visa.svg) Cloud Commerce API Enables channel partners to offer payment acceptance to merchants through Cloud Commerce *** ** * ** *** **Used By** Acquirers, Processors, Gateways, Payment Facilitators **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)![visa card](https://developer.mastercard.com/img/card_visa.svg)![amex card](https://developer.mastercard.com/img/card_amex.svg) ## Not sure which solution fits the best for you? {#not-sure-which-solution-fits-the-best-for-you} We are always adapting, anticipating the needs of a changing world and responding in real time. Learn more about our solutions, schedule a demo, or get pricing. Contact us ![alt text](https://static.developer.mastercard.com/content/merchant-cloud/product/img/user-sitting.svg) ## How our partners use Merchant Cloud {#how-our-partners-use-merchant-cloud} ![transport_for_nsw_logo](https://static.developer.mastercard.com/content/merchant-cloud/uploads/transport_for_nsw_logo.svg) ### Transport for New South Wales (TfNSW) Sydney Opal Payment System {#transport-for-new-south-wales-tfnsw-sydney-opal-payment-system} TfNSW partnered with Mastercard to enable contactless payments across Sydney's transit network Learn more ![case_study_tsogatec](https://static.developer.mastercard.com/content/merchant-cloud/uploads/case_study_tsogatec.svg) ### Tsogatec's digitized payments make life easier {#tsogatecs-digitized-payments-make-life-easier} Mastercard partners with Tsogatec to drive financial inclusion and expand access to digital payments for underserved communities Learn more