Mastercard has launched Merchant Cloud, a next-generation platform that unifies its and its partners’ services to simplify global commerce and support business expansion.
The platform offers a single access point to manage and optimise payment acceptance worldwide.
Merchant Cloud includes scheme-agnostic tools for credential tokenisation, guest checkout, fraud protection, identity verification, and approval rate optimisation.
It also provides gateway functions for omnichannel transactions, smart routing, and data-driven insights to enhance payment performance.
The platform supports secure agentic payments through Mastercard Agent Pay, applying the latest agentic payment protocols to offer a seamless and trusted shopping experience.
Artificial intelligence is integrated to improve transaction efficiency and approval rates.
Mastercard’s Payment Optimisation Platform (POP) leverages network intelligence and will soon use AI to generate optimised authorisation messages and insights that help increase successful transactions.
Security features include cyber, identity, and AI-based fraud monitoring that identify high-risk merchants and provide risk scores to acquirers, payment service providers, and facilitators.
The Transaction Risk API analyses data in real time to deliver actionable insights that reduce global fraud and improve customer experience.
Connected to more than 240 acquirers and supporting over 35 payment types, including alternative payment methods, global and domestic wallets, domestic schemes, and card networks, Merchant Cloud enables businesses to accept more transactions and offer greater consumer choice.
Gaurang Shah, EVP, Global Acceptance & Merchant Solutions at Mastercard said,
“With Mastercard Merchant Cloud, commerce is truly simplified through a unified, scalable, secure, and open infrastructure — one that not only supports the needs of merchant partners today with data, services and insights, but is also designed to anticipate the future of digital and agent-driven commerce.”
The modular suite of services is built for the entire merchant value chain, from acquirers and payment service providers to payment facilitators, independent software vendors, and merchants, streamlining access to tools that enable secure, scalable growth.
Featured image: Edited by Fintech News Singapore, based on images by tahantanha10 and zayedhasanwahid via Freepik
