EXPERTISE
AI
Data
DATA
tech
ai
expertise
Win the moments that matter with Mastercard
connected decisions - trusted experiences - continuous optimization - scalable growth - future readiness
Moment of Discovery
Moment of Relevance
Moment of Payment
Moment of Retention
Reach the right customers earlier using real behavior to identify high-value audiences.
Convert with confidence approving more good transactions: faster, safer and with confidence.
Grow customer value over time turning everyday interactions into long-term loyalty.
Turn insight into relevance, so every interaction feels timely and personal.
Mastercard Offers Network
Generative Engine Optimization
Marketing Mix Optimizer
Test & Learn
Merchant Cloud
Agent Pay
The Network
Turn fragmented data and signals into connected experiences across the customer lifecycle. More than payments, the network connects consumers, merchants, issuers and platforms, turning real transaction signals into decisions you can activate, measure and scale across the entire consumer journey.
Agentic Commerce & Advisory
Personalization
Moments Made Smarter
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Chargeback & Disputes
Shopper Intelligence
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context
solution
use case
MARKETING SERVICES
Use case 1
Use case 2
Use case 3
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use case(S)
AGENTIC COMMERCE AND ADVISORY
Advisory
Agent Suite
Activate agentic commerce with Mastercard
Capability stack
Powered by Mastercard's integrated capabilities
Turning AI into growth: From experimentation to execution
Opportunity
Shift
AI is changing how consumers discover and buy, but fragmented pilots are not delivering impact. The winners will be those that connect data, decisions, and execution to turn AI into real, scalable growth.
Challenge
AI is redefining how consumers discover, decide and transact
Autonomous discovery and discovery Real-time personalization at scale Frictionless conversion
Fragmented pilots with limited business impact Lack of integration across data, payments and execution
Mastercard Network
Data and Insights
Engagement model
Identify priority use cases Align stakeholders and roadmap
Build and deploy agents leveraging data, payments and platforms Move from pilots to scalable use cases
Secure, verifiable agent-initiated payments Built on Mastercard network and trust infrastructure
Advisory - Define the strategy
Agent Suite - Enable execution
Agent Pay - Power trusted transactions
Advisory to implementation Move from agentic experimentation to scalable execution
AGENT SUITE
Turn complexity into growth
Move from ideas to real execution with hands-on experts who help you design, test and scale what works.
ADVISORY
Use Mastercard's proprietary insights to identify where to grow and act with confidence.
Connect strategy to execution to drive real outcomes: from optimization today to sustained growth over time.
Identify high-value agentic use cases for merchant growth (discovery, checkout, retention) Assess data, platform and AI readiness Define role in the agentic ecosystem (direct, partner, platform)
Outcome: Clear roadmap from experimentation to business value
Innovation
Outcome: Proven use cases with measurable impact
Agentic Sandbox to test with real merchant data Rapid prototyping of agent-led journeys and experiences Validation of commercial models and partnerships
Agents
Outcome: Production-ready, revenue-driving capabilities
Configurable agentic systems that will run on the cusotmers' infrastructure Enable end-to-end agent workflows (discovery > checkout > post-purchase) Build pipeline of scalable, repeatable agentic solutions
Evolving the payment ecosystem
Know your agent
AGENT PAY
Requiring registered and traceable AI agents Increases safety and security
Interface standards
Standard protocols for agent <> merchant data exchange Smarter data exchange Enhanced data
Order intent and consent
VIDEO
Video
How it works
Agent Pay transaction flow
Key benefits
Unlock new value in AI-driven commerce
Turning AI-led buying into trusted and visible payments
Mastercard Agent Pay delivers smarter, more secure and trusted agentic payment experiences - powered by Mastercard's next generation tokenization, authentication and robust governance to ensure every transaction reflects true user intent.
AI is rewriting the rules of commerce Consumer behaviour is rapidly shifting from traditional search engines to AI for product discovery and purchases.
20 %
800 M
While AI agents are already completing purchases, merchants are left without insight, authentication, agent-ready flows or control.
38 %
active OpenAI users, doubling in "just a few weeks" from February to April 2025
Only registered agents can transact - governed and traceable through Mastercard network tokens, setting new standards for trust and accountability in agent-led commerce.
We are setting the standard for agent <> merchant data exchange - with a universal protocol built on Mastercard's Secure Remote Commerce standards and the Model Context Protocol, enabling seamless, scalable and personalized agentic commerce.
Creating a future where detailed purchase scope and user consent are captured and verified - ensuring every transaction reflects true user intent, with the transparency and control today's digital economy demands.
Know your Agent
Higher approval rates & reduced fraud With tokenized credentials, Mastercard Agent Pay improves transaction success and minimizes fraud risk.
Three primary data components of Mastercard Agent Pay
Agentic token
HOW IT WORKS
Increases the safety and security by masking the card number (which is unique to the agent)
Consent capture
Authorizing the agent to purchase on behalf of the customer. Purchase confirmation is connected to the order.
Intent capture
Documents what the consumer wants to buy (i.e., full order details, including items, size and order)
Agentic AI is expected to handle up to 20% of eCommerce tasks in 2025
of APAC consumers now use AI to shop, with 59% open to making purchases using AI in the future
HOW AGENTIC COMMERCE WORKS WITH AGENT PAY
Agent Pay enables seamless transactions from consumer request to purchase.
1
2
3
4
5
I ask my AI assistant for help shopping
My AI assistant does the research
I say yes to the recommendation
My AI assistant pays for me
My order is confirmed
"Find me running shoes under $100"
Searches, compares options and explains trade-offs following Merchant-Agent interface standards to support Agentic payments
I review the options and click "Buy"
Agent completes merchant checkout
I see confirmation in my chat
Agentic Commerce Providers join the Mastercard Agent Pay Program, following set standards and governance. Agentic Tokens are used exclusively for agentic commerce transactions, enhancing security and transparency.
Agent presents full scope of intent and is validated.
Agent submits payment request with preferred card; consent verified via multi-factor authentication.
Transaction is tokenized with enhanced data provided to issuers in authorization.
Know your agent and agentic tokens
Consumer intent
Authentication
Transaction intelligence
Enhanced personalization & loyalty Maintain logged-in experiences, loyalty rewards and tailored offers - even in agent-led flows.
Agent recognition at checkout Optionally accept enhanced agentic data to identify trusted agents and optimize the checkout experience.
Support for agentic commerce from day 1 With Agent Pay, agents will seamlessly support merchants' agentic tools and interfaces from day 1.
Visibility, security and personalization in the agentic checkout experience
MERCHANT CLOUD
Transaction Risk Management
Payment Optimization Platform
Growth today isn't limited by demand but by complexity.
More players
More options
Merchants need to overcome challenges including fragmented solution providers, regulatory burden and inconsistent customer experience: Improve approval rates and consumer experiences Reduce the complexity of fragmented providers Launch into new markets quickly Adapt to local regulations with reduced compliance burden Unified access to all scheme tokens, making simplified, secure experiences a reality
More risk and regulation
Introducing merchant cloud
A unified acceptance platform orchestrating a dynamic set of modular services from Mastercard and curated partners.
Connecting the dots to simplify growth
Build trust and reduce fraud with Transaction Risk Management
clients globally use Mastercard-powered fraud software
transactions are processed through Mastercard fraud software annually
2k+
>150b
An AI, scheme agnostic and real time solution that evaluates each transaction for risk to guide the decision on whether to proceed
Drive higher approval rates with Payment Optimization Platform
Using the power of the Mastercard network and AI to help recover insufficient fund declines for recurring payments.
In near-real-time, the Payment Optimization Platform monitors the Mastercard network for financial declines to pass on to the AI model for further analysis.
Payment analysis
Based on activity across the Mastercard network, the AI model identifies patterns on the credential to determine the optimal chance at approval.
AI recommendation
Once the credential's real-time activity matches the AI model's recommendation, Mastercard advises to retry the transaction immediately.
Generate advice
The payment is resubmitted to the Issuer for decisioning.
Transaction resubmitted
SOLUTION
ON Running case study
Electrolux case study
Michael Kors case study
PERSONALIZATION
Mastercard Dynamic Yield
Utilizes AI-driven algorithms and data-driven insights to enable you to deliver personalized content, product recommendations and targeted offers. Drive better conversion, AOV and frequency while lowering bounce rates
Leading personalization platform that empowers you to create tailored customer experiences across web, mobile apps, email and more. For new and existing visitors
We are the market leading personalized engine
Leading Gartner's Magic Quadrant for Personalization Engines 8 years in a row.
Meet the unified AI operating system built to lead the next era of personalization
Powered by:
+16% Revenue driven through Dynamic Yield campaigns
The world's second-largest home appliance retailer scaled localized experiences across 63 domains and 21 markets for its core brands (Electrolux, AEG and Zanussi).
These pop-ups were built from the same campaign but yielded differences in product, copy, language, currency and discount.
+537% increase in CTR for non-shoe products
This innovative sportswear brand fueled its meteoric growth with Mastercard Dynamic Yield and built its new website with Experience OS. Running campaigns 100% server-side, product recommendations yield 16% of online revenue and On has seen a 348x ROI from its investment.
Shoe versus non-shoe product recommendations
8.5x Average revenue per user
Michael Kors leveraged Dynamic Yield's conversational discovery tool, Shopping Muse, to replicate the personalized, luxury in-store experience and help customers to navigate their large product catalogue. They saw 7x customer engagement in average page view and 8x average revenue per user.
MARKETING MIX OPTIMIZER
Growth teams grapple with these challenges across sectors and geographies
Bank in the Middle East
Did not have visibility into the impact of their media and non-media sales drivers
+ TV, Radio, OOH, Digital Display, Digital Audio, Apple, Bing
+14%
Incremental credit card sales (average monthly)
Prediction Accuracy (Less than 6 months of historical data; Performance will improve with additional data)
>91%
The cost of media is rising fast. Yet so much of it is wasted.
Media costs are skyrocketing Rising media inflation is making CAC harder to control.
Time is of the essence Disparate data is slowing media investment decisions.
Difficult to measure Inconsistent measurement is limiting clear ROI attribution.
Media Optimization pain points that every performance marketing team can relate to x Manually review and make optimzation decisions worth thousands and millions of $$$ x Extract and stitch reports from different platforms x Too much data = Errors in human interpretation x Unstructured learning from past performance (if any at all)
Make confident decisions with smarter forecasting and media optimization
LOOK BACK Assess Historical Media Performance Single view of campaign performance Detailed visualization of channel metrics Evaluation for future decisioning
MOVE FORWARD Improve Media Performance Better planning accuracy Better performance results Faster execution with clear insights
Q: Which media channel is generating: the highest conversions the highest revenue the highest ROI the lowest CPA Q: Could we have spent less for the same result? Q: What's the optimal channel mix for my media budget? Q: Are there synergies between media channels?
Optimization-as-a-Service Batteries included with a term of experts to operate the platform, analyze insights and recommend actions
Incremental e-commerce revenue driven for a fashion retailer in Europe
A fashion retailer in Europe (present in more than 20 markets) wanted to improve their e-commerce revenue. Despite being marketing savvy and having in-housed most of their digital capabilities, they were struggling to generate incremental sales by leveraging their internal / external vendor MMM platforms. Mastercard assisted the client by utilizing the MMO product to solve this business problem.
MMO measured the client's historical media performance and predicted their future media performance by running multiple simulation optimization scenarios (as per business requirements) to identify optimal media spend strategies across channels, platforms, and campaigns.
Prediction Accuracy (More than 2 years of historical data)
CHALLENGE
APPROACH
+17.2%
DELIVERABLES
>92%
Incremental net sales (Average monthly)
Portfolio Media Budget Optimization
Product & Channel Synergies
Product Media Budget Optimization
Non-Media Driver Sales Impact
Seasonal Media Flighting Insights
MASTERCARD OFFERS NETWORK
How to set up an offer
Customer experience
Proven globally
Personalized offers that fit naturally into the cardholder journey
A seamless, card-linked journey delivering relevant offers across everyday and cross-border moments, measured through verified outcomes.
1. DEFINE OFFER
2. SELECT AUDIENCE
3. ACTIVATE IN BANK CHANNELS
4. SEAMLESS REDEMPTION
5. PAY ONLINE FOR RESULTS
Develop offer parameters and timing
Audience selection informed by aggregated spend trends
Offers appear in trusted bank channels
Offers are securely card-linked and redeemed automatically
Cashback fulfilled after qualifying purchase
No coupon required No POS integration Omni-channel redemption
Category spend Amount spent Recency* Frequency
Online Email Mobile app
Use flexible short-term timeframes* Plan around peak or blackout periods* Set offer value
Cashback issued after purchase within 7 days Pay only when spend happens Purchases are verified to confirm eligible results
* Only for everyday domestic spend
Simple to launch. Simple to run. Clear results.
Easy to set up. Easy to Measure.
From set up to performance tracking, every step is simple and requires no operational lift from your side.
DISCOVERY
ACTIVATION
TRANSACTION
NOTIFICATION
REWARD
Powered by Mastercard's card-linking technology to enable relevant offers and seamless rewards at scale
520M+ Eligible shoppers globally1
Scale and performance you can rely on
$1T Annual transactions1
Up to 90% Accuracy of predictive spend model2
89+ Live markets1
Up to 22x Proven return on ad spend2
Mastercard Internal Reporting 2025 Mastercard Internal Case Study
Closed-loop engine that drives incremental and measurable growth through personalized, card-linked offers
The merchant challenge
The customer reality
Media costs rising, returns harder to prove No clear attribution across channels Too many partners, not enough visibility Limited data to see beyond your own ecosystem
Personalized, not generic offers Act on rewards and offers that are timely and easy to redeem
Marketing spend is up. Yet tracking what drives incremental growth is harder than ever.
Transaction-insights based offers that reach the right customers - at home and across borders
Banks show relevant offers in real-time Where customers are already logged in
Merchant defines the offer construct, including budget and audience Who to reach, when and where to run the offer. No POS integration or staff training required.
Receives relevant personalized offers Reach based on aggregated spending patterns Easy to use, no coupons, automatically rewarded
See more
Travel offers
Local offers
Static UI
Video UI
CHARGEBACKS & DISPUTES
Prevent and resolve disputes efficiently
Ethoca Consumer Clarity
By reducing transaction confusion through detailed in-app purchase information
Share key purchase details, including logos and itemized data, directly in the banking apps to: Reduce transcation confusion Prevent unnecessary disputes Improve customer experience
Limiting Bottom-Line Impact from Growing Chargebacks
Ethoca Consumer Clarity Merchant Benefits
Reduce friendly fraud Provide purchase clarity to remove upfront confusion and eliminate invalid disputes
Eliminate revenue loss Consumer purchase recognition eliminates unnecessary refunds and revenue loss
Engage customers Redirect disputes from issuer to merchant by providing clear contact information
Reduce chargebacks and costs
By enabling faster resolution via clear data for call center and back-office teams
Stay connected with the customers
By maintaining post-purchase engagement within the banking app
TEST & LEARN
Measure marketing campaigns with precision and Mastercard market context
Measure your retail transformation with rigor, speed and scalability
Go from ideas to evidence with Mastercard Test & LearnTM.
91%
of executives say that it is harder to make a business decision than it was one year ago1
Complexity is rising faster than confidence.
AI that accelerates. Experimentation that validates. Insights that leaders trust.
45%
of campaigns have natural test versus control bias before Mastercard Test & Learn correction
Measure in-store pricing and promotion strategies with confidence
Measuring Multiscreen Media.
How Papa Murphy's measured the impact of multiscreen with Mastercard Test & Learn
iROAS
Incremental transactions
Papa Murphy's demonstrated the incremental sales impact of TV and streaming leveraging Mastercard's aggregated and anonymized spend insights to unlock more confident media investments.
I was amazed at how well we performed, and owners are more interested in investing incremental marketing dollars in programs they know work. Papa Murphy's Franchisee
Incremental sales
4.8x
1.9k
$57.7k
Convenience with confidence.
How 7-Eleven Australia partnered with Mastercard Test & Learn to build a faster, more consistent decision-engine
Mastercard's Test & Learn product gave us the ability to standardize how we measure our ideas and give us the confidence that these ideas are going to work in our network. Wayne Grenfell General Manager Data Analytics and Insights 7-Eleven Australia
Price it right. Prove it works.
How a large grocer evaluated the impact of a new display and price decrease for chips with Mastercard Test & Learn
lift in total chips sales
1.9%
6.1%
$2.4m
lift in large chips sales
lift in margin
What happens when you lower prices and change placement? This retailer did not guess. They measured incremental impact with Mastercard Test & Learn. They uncovered where the strategy worked best, scaled it to the right stores, and turned a pricing decision into millions in incremental growth.
48%
of business ideas do not break even2
89%
of retailers struggle to balance risk management with innovation3
1. Icertis Leadership Survey 2025 2. The State of Business Experimentation 2026 | Mastercard Report 3. The Exeperimentation Advantage 2025 | Forrester Consulting commissioned by Mastercard
6x
clients report that analysis is 6 times faster with Mastercard Test & Learn than with their previous methods1
92%
of Mastercard Test & Learn engagements generate at least 5 times more ROI2
AI enabled speed and scale
Proven casual validation
Continuous learning and targeted rollout
Unmatched market context with Mastercard data
1. The State of Business Experimentation 2024 | Mastercard Report 2. Frost & Sullivan analysis. *60+ Sample Test & Learn Engagements, 230+ initiatives analyzed, 9 industries represented
SHOPPER INTELLIGENCE
Athleisure Retailer Use Case
Luxury Retailer Use Case
The Fix : Shopper Intelligence
75%
Of consumers expect companies to deliver personalized interactions
Customer attention is getting harder to win
A platform-based analytics solution that uses aggregated, anonymized transaction data to deliver insights on customer segments, spending behaviour, and growth headroom
Understand how much customers are spending with you vs. your peer group or industry
How a luxury retailer leveraged external spend metrics to grow sales with Shopper Intelligence
Mastercard Solution
71%
No visibility into spend outside merchant ecosystem, weakening targeting and growth decisions.
78%
Discern segments of high-value customers who are likely to move to higher loyalty tiers or become cardholders
Identify segments of high-value customers who have churned and how to win them back
Of consumers feel bombarded by advertising
Of consumers say personalization makes them more likely to repurchase
Customers show limited loyalty as they expect personalized experiences.
Customers are overwhelmed with constant outreach as brands compete harder for attention.
Rising Competition
Limited Data
Declining Loyalty
As new products, technologies and experiences emerge, it is difficult to understand and respond to the consumer’s pursuit of value.
Earning customer loyalty means understanding them beyond your ecosystem
Ascertain how much headroom you have with key customer segments across geographies, channels, and income groups
Context and Challenge
A luxury apparel retailer wanted to better understand external spend behaviors and customers’ spending strategies to target these customers with the right content, at the right time.
Mastercard Shopper Intelligence delivered insights on market share, spending headroom, and share of wallet based on regions, channels and income groups to inform customer management strategies and improve targeted marketing.
Insights from Shopper Intelligence
The Results
of client’s customer base is high-income compared to the competitor set (86% vs. 67%)
market share growth over the last 24-months for client, driven by +5.8% in brick-and-mortar market share
+2.8%
>20%
Lift in lapsed customer sales leveraging propensity models to identify luxury and apparel buyers
Lift in sales leveraging external spend metrics to inform customer engagement
2.6x
2.4x
How Mastercard Shopper Intelligence flagged the signals to an athleisure brand, months before they formed the media narrative
Customer spend is leaking to competitors, prioritize re‑engagement
Stay relevant with digitally driven, new-age consumers
Our Recommendations
~66%
~9%
A premium athleisure brand in US was seeing falling share price, decline in customer engagement and failure to attract new customers. They wanted to understand areas of concern.
Mastercard Shopper Intelligence helped diagnose the drivers behind declining engagement and uncovered growth opportunities by identifying priority channels and the root causes of underperformance.
Activate personalized strategies for premium buyers
3. Headwinds with premium positioning
~12%
1. Online market share stagnation
Wallet share decline
Spend share from high income groups
Online market share drop
2. Share of wallet decline
GENERATIVE ENGINE OPTIMIZATION
About GEO
Sample GEO reports
Agentic Visibility | GEO Diagnostic
2.5B+
queries go to ChatGPT every day (nearly 1T a year) compared to 5T annual Google searches
Acquisition is evolving from traditional search to Agentic AI for discovery and evaluation
The Agentic Visibility Diagnostic delivers a clear snapshot of AI visibility and positioning to help clients succed in this new AI-mediated discovery environment. The report addresses the following key themes: How Brands appear (or fail to appear) in AI-generated responses Where visibility and credibility gaps exist versus competitors Which AI platforms are influencing discovery most for their sector and category What areas of focus can improve AI visibility, accuracy, and rec
1 in 2
consumers plan to use AI for online shopping, nearly 40% of consumers already have used generative AI for shopping
of e-commerce tasks are expected to be handled by Agentic AI by 2027
GEO requires organizations to optimize content to boost visibility in AI-driven agent search engines
To remain competitive, organizations must accelerate on foundational search engine optimization while proactively adapting to new search dynamics
FROM
TO
Be the Answer AI synthesizes - get cited or be invisible
Win the Click Traffic is the primary metric
Compete on Ad Spend Highest bidder wins visibility
Google is the Front Door Single discovery channel
Rank on Google Optimize keywords, win position #1
Win the Citation Zero-click accelerating - trust replaces clicks
Compete on Authority Structured content + Expertise signals
Fragmented Discovery Google + ChatGPT + Perplexity + Verticals
Search Engine Optimization (SEO)
Making your website easier for Google and other search engines to find and show people searching
Agentic Visibility | GEO
Making your content easier for AI tools to find and include in their answers
Value: By equipping clients with Agentic Visibility insights, Mastercard provides guidance to improve discoverability, protect brand trust, and increase engagement in agent-led and AI-assisted journeys.
AI Engine Visibility Score
Category & Prompt Analysis
Competitive Landscape
Sentiment Analysis
Citation review
Agent Interpretability
Elements of Analysis
Sample Snapshot of Customized GEO Reports
1. AI Visibility
2. Category Performance
3. Competitive Landscape
4. Citation Analysis
5. Agent Interpretability
6. AI Visibility Opportunity Plan
Client's AI visibility for branded and unbranded terms across platforms, shown with a standardized score for comparison.
AI visibility performance includes: Branded categories: Direct brands, customer service, comparisons Unbranded categories: Credit cards, loans, mortgages, savings, investments and others
Shows leading brands ranked by shared of voice and mentions, with sentiment and accuracy reflecting brand trust in AI results.
Identify the sites cited in AI responses for a brand, highlights missing key sources, and shows how these sources influence the tone and sentiment in AI-generated content.
Assess how wel AI systems can detect and understand content by examining crawlability, schema use, and structured product data that influence accuracy, ranking, and confidence.
Overview of main factors affecting AI visibility, including content authority, structured data, and technical access, with a step-by-step framework for managing and tracking them.
