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Mastercard Payment Gateway from Mastercard
A secure platform for accepting payments through various channels including web, mobile, and in-store. Offers real-time processing, fraud management, and comprehensive reporting tools.
Product analysis by function
Payment and Collection Solutions for Corporate Banking
Systems that facilitate various payment and collection methods tailored to corporate needs.
More Payment and Collection Solutions
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Account Integration and Management
(8 Yes /8 Known /12 Possible features)
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Multi-bank connectivity Ability to connect and integrate with accounts at multiple banks. |
Mastercard Payment Gateway integrates with many banks for payment acceptance and settlement across geographies. | |
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Account aggregation Collates balances and transaction data from various accounts into a single dashboard. |
Product provides consolidated reporting of multi-channel payments, indicating account aggregation capability. | |
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Real-time account balance Provides up-to-date account balances. |
Offers real-time payment processing and reporting, so balances are likely near real-time. | |
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Account hierarchy management Manages structures like parent/child or pooled accounts. |
No information available | |
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Account reconciliation Supports bank statement and transaction reconciliation. |
Gateway assists merchants with reconciliation through reporting and matching of transactions. | |
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Virtual account management Enables use and management of virtual/alias accounts for collections/reconciliation. |
No information available | |
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Automated account mapping System can auto-map inbound payments to client reference codes. |
No information available | |
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Daily transaction capacity Maximum number of transactions/accounts system can manage daily. |
No information available | |
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Bulk upload/download Allows bulk import/export of account or transaction data. |
Supports bulk file upload and download for payments and settlements. | |
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Custom account reporting Users can generate customizable reports on account activity. |
Comprehensive custom reporting is available for account and transaction data. | |
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Multi-currency account support Handles accounts in multiple currencies. |
Processes multi-currency transactions, supporting merchants globally. | |
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APIs for account management APIs for integration into ERPs for real-time account management. |
APIs are provided for account and transaction management. |
Payment Processing
(11 Yes /11 Known /12 Possible features)
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Batch payments Support for processing multiple payments in one batch. |
Designed for batch payment operations—common in payment gateways. | |
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Payment type support Ability to process multiple payment types (wire, ACH, SEPA, SWIFT, RTGS, etc). |
Supports major payment types: credit/debit, digital wallets, ACH, wire, etc. | |
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Real-time payments Support for immediate/instant payment clearing and settlement. |
Offers instant payment processing in supported markets. | |
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Payment approvals workflow Configurable multi-step payment release authorization. |
Provides configurable workflows for payment approvals. | |
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Automated payment routing System recommends/auto-selects optimal payment rails. |
Auto-selects payment rails (credit, bank, digital wallets) for optimal payments. | |
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Payment limit controls Define limits for payment values per user/transaction. |
Admins can configure payment limits per user or transaction. | |
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Dual authorization Requires two or more users to authorize payments. |
Can be configured for dual/multi-level authorization on payments. | |
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Bulk payment speed Average time to process a bulk payment batch. |
No information available | |
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Error and exception handling Intelligent identification and handling of failed or returned payments. |
Fraud management includes intelligent error and exception handling. | |
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Multiple beneficiary management Supports managing a database of beneficiaries. |
Merchants can manage multiple beneficiary accounts and payout profiles. | |
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End-to-end payment tracking Track payments from initiation to beneficiary’s account. |
End-to-end tracking for payments is a core merchant feature. | |
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Payment data validation System validates payment instructions before submission. |
System validates payment instructions prior to processing. |
Collection Management and Receivables
(0 Yes /0 Known /11 Possible features)
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Automated receivables reconciliation Automatically matches inbound payments with open invoices. |
No information available | |
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Virtual account for collections Assigns unique virtual accounts to customers for automated receivables tracking. |
No information available | |
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Direct debit support Facilitates automated recurring collections via direct debits. |
No information available | |
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Discounts and invoice adjustments Applies early payment discounts and fee adjustments automatically. |
No information available | |
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Collection notification automation Sends payment reminders/notices to customers automatically. |
No information available | |
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Customer payment portal Self-service portal for customer payments and invoice download. |
No information available | |
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Cash application engine Automates allocation of incoming payments to correct customer accounts and invoices. |
No information available | |
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Remittance advice processing Captures and uses remittance information to match payments accurately. |
No information available | |
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Daily collection capacity Maximum number of collection transactions system can process daily. |
No information available | |
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Integration with e-invoicing Links e-invoicing outputs to payment and collection engine. |
No information available | |
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Support for partial payments Handles multiple or partial payments per invoice. |
No information available |
Connectivity and Integration
(6 Yes /6 Known /10 Possible features)
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Open API support Offers well-documented APIs for all core functionalities. |
Provides well-documented APIs for all essential payment and reporting features. | |
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ERP integration Native connections to major ERP systems (SAP, Oracle, Microsoft, etc). |
No information available | |
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Custom integration support Ability to build custom connectors to bespoke systems. |
Offers customization for integration with external and bespoke systems. | |
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SFTP integration Ability to transmit and receive files securely via SFTP. |
Secure SFTP file transfer is supported for payment files. | |
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Webhook notifications Real-time push notifications via webhooks for system events. |
Webhooks for real-time event notifications are described in developer documentation. | |
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Plugin marketplace Access to a marketplace of pre-built application plugins. |
No information available | |
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Batch file import/export Supports high-speed batch payment/collection file operations. |
Supports batch file operations for transaction uploads and downloads. | |
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Integration latency Average response time for API calls. |
No information available | |
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Custom field mapping Ability to map and transform data fields for integration purposes. |
No information available | |
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Standard messaging protocols Supports industry protocols (ISO 20022, SWIFT MT, etc). |
Compliant with ISO 20022/SWIFT and other messaging standards. |
Security and Compliance
(10 Yes /11 Known /11 Possible features)
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End-to-end encryption All data is transmitted with strong cryptographic encryption. |
All data is securely encrypted during transit and at rest. | |
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2-factor authentication Requires multi-factor authentication for user access. |
Multi-factor authentication is part of user security for access and approvals. | |
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Audit logging Comprehensive event and transaction audit log. |
Audit logs are standard for payments and security events. | |
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User permissions management Granular controls over user rights and role-based access. |
Supports detailed, role-based access and permissions for users. | |
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Payment fraud detection Automated tools to detect suspicious transactions. |
Fraud detection is a key gateway feature: includes real-time transaction risk analysis. | |
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Alerts and notifications Notifies users/admins of critical security or compliance events. |
Security and compliance notifications/alerts are provided as standard. | |
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Sanctions list screening Checks counterparties against up-to-date sanctions lists. |
Performs sanctions and anti-money laundering (AML) screenings for counterparties. | |
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Regulatory reporting automation Automates generation of regulatory and compliance reports. |
Regulatory and compliance reporting tools are part of the product. | |
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Compliance certifications Certifications such as PCI DSS, ISO 27001, SOC 2, etc. |
Gateway pages note adherence to PCI DSS, SOC, and ISO compliance certifications. | |
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Session timeout configuration Customizable timeout interval for inactive sessions. |
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Supports administrative configuration for session timeouts. | |
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Data retention policy management Configurable data retention and deletion rules. |
Offers data retention settings per account and legal requirements. |
User Experience and Accessibility
(5 Yes /5 Known /9 Possible features)
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Role-based dashboards Personalized interfaces based on user roles. |
No information available | |
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Mobile app support Native smartphone application for on-the-go access. |
Mobile-optimized merchant portal and mobile SDKs available. | |
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Multi-lingual interface Supports more than one interface language. |
Supports key languages relevant to global merchants. | |
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Customizable widgets Users can add/remove UI widgets according to their needs. |
No information available | |
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Accessibility standards compliance WCAG/ADA compliance for users with disabilities. |
No information available | |
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Self-service onboarding Allows corporate users to onboard and configure features independently. |
Offers self-service onboarding for merchants and businesses. | |
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User feedback tools In-app customer support, chat, and feedback submission. |
In-app support, ticketing, and feedback tools are available. | |
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Notification preferences Users control what, how, and when they receive notifications. |
Notification channels and subscription options for alerts configurable per user. | |
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Concurrent user support Number of users who can concurrently access the system. |
No information available |
Reporting and Analytics
(6 Yes /6 Known /9 Possible features)
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Custom report builder Flexible tool for users to design custom reports. |
Custom reporting and analytics tools let users create their own reports. | |
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Scheduled reports Automatic delivery of reports at scheduled intervals. |
Scheduled and automated reports are supported. | |
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Dashboard visualization Graphical dashboards display key KPIs and data trends. |
Visual dashboards for payments, settlements, and fraud KPIs. | |
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Drill-down analytics Users can start with summary data and drill into transaction details. |
No information available | |
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Export formats Reports can be exported to various file formats (CSV, XLS, PDF, etc). |
Reports exportable in formats including CSV, XLS, and PDF. | |
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Payment pattern analysis System suggests optimized payment times/routines based on historic patterns. |
No information available | |
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Exception/outlier detection Identifies anomalous transactions or behaviors. |
Reporting modules include exception or anomaly detection as part of fraud monitoring. | |
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Real-time data analytics Data is available for analytics with minimal delay. |
Analytics supports near real-time data ingestion for dashboards. | |
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Number of standard reports Default number of pre-built standard reports. |
No information available |
Product Scalability and Performance
(5 Yes /5 Known /8 Possible features)
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Horizontal scaling Ability to add capacity by increasing hardware or instances. |
Cloud architecture allows for horizontal scaling with increased demand. | |
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Vertical scaling Ability to handle increased loads by upgrading to more powerful hardware. |
Supports vertical scaling with more compute resources for large clients. | |
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High availability Design enables minimal downtime or service interruption. |
High-availability architecture for payments, as communicated on gateway site. | |
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Failover capability Automatic system switch-over if there is a component failure. |
Automatic failover processes are described in continuity documentation. | |
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Disaster recovery Comprehensive disaster recovery for business continuity. |
Comprehensive disaster recovery plans and data replication supported. | |
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Average transaction latency Average time to process a single payment/collection. |
No information available | |
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Daily peak throughput Maximum number of payments/collections processed in peak hour. |
No information available | |
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Real-time scaling notifications Notifies administrators when scale thresholds are exceeded. |
No information available |
Pricing and Cost Transparency
(5 Yes /5 Known /7 Possible features)
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Transparent fee breakdown Detailed itemization of fees and charges. |
Pricing documentation gives detailed breakdowns of gateway and processing fees. | |
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Usage-based pricing support Supports pricing based on volume of transactions/users. |
Offers volume/usage-based pricing for large merchants. | |
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Dynamic cost estimation tools Allows simulation of monthly/annual spend based on planned usage. |
Online fee calculators available for estimating costs based on transaction volume. | |
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Cost allocation by branch/department Assigns and tracks costs by organizational unit. |
No information available | |
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Alerts for cost overages Notifies when usage/cost thresholds are exceeded. |
Provides cost overage alerting and usage monitoring tools. | |
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Contract management Tracks contracts, renewal dates, and related pricing agreements. |
Offers contract and agreement management as part of merchant dashboard. | |
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Fee negotiation support Supports dynamic negotiation of fee tiers based on volume. |
No information available |
Support, Documentation, and Training
(5 Yes /5 Known /7 Possible features)
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24/7 customer support Round-the-clock phone, email or chat support. |
24/7 support included for portal and payment issues. | |
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Extensive user documentation Comprehensive user manuals, FAQs, and guides. |
Extensive online guides and documentation are provided. | |
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In-product help tooltips Context-sensitive help links and tooltips. |
Contextual help and tooltips present in the online portal. | |
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Onboarding program Structured onboarding, training, and certification for users. |
Structured onboarding with guided product tours and webinars offered. | |
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Self-paced eLearning Access to online self-service training modules. |
No information available | |
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Dedicated account manager Assigned individual for personalized support. |
No information available | |
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Knowledge base search Searchable central resource for FAQs, troubleshooting and updates. |
Knowledgebase and search available for product-related support. |
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