Major brands used to leave their creative needs in the hands of Madison Avenue ad agencies, Smith points out, but these days they're turning to Main Street, asking ordinary consumers to pitch in. The concept isn't entirely new. Back in the '50s, suburban housewives created jingles for their favorite products.
Today, companies want you to spend more time "engaged" with their brand, and that means logging on to their Web sites, where consumers get the tools they need to make their own ads. Most of them are art students or film students or animators or cinematographers looking for a break.
People such as aspiring filmmakers Billy Federighi and Brett Snider, whose creation for Converse was just one of the consumer-created commercials the sneaker company put on the air. It showed sneaker after sneaker coming out of a copy machine, instead of paper copies.
Greg Stern, who created the Converse campaign, told Smith, "With the advent of technology, there are tools in the hands of regular consumers to actually create outlets of their own self-expression, their own creativity, in terms of films, music, that type of thing. Adweek's Lippert pointed to a campaign for Chevy Tahoe that "kind of backfired. They put themselves out there, they made themselves very vulnerable, and they got thousands of environmentalists flooding the Internet saying how bad GM products they are and what gas guzzlers they are.
So, advertisers and agencies have to embrace it, because there's going to be more of it. Your consumers can experience the future of secure, convenient online checkout by looking for the Click to Pay icon where Mastercard is accepted or by visiting mastercard. Click to Pay is fast, secure online checkout — built with intelligent security and advanced technology by the payment brands you trust.
Click to Pay stores all your payment information in one secure profile, so you can use your favorite card wherever you see the Click to Pay icon. Mastercard worked with the other major payment brands to create Click to Pay. You can manage all your Mastercards in your Mastercard Click to Pay profile. To manage cards with other payment brands, visit their Click to Pay websites.
Creating a Click to Pay profile lets you store your payment information securely in one place so it is there when you need it. Pay quickly and securely anywhere you see the Click to Pay icon at checkout with a participating merchant. There are a few ways to set up a profile:. Click to Pay is available at many popular merchants. Look for the Click to Pay icon at checkout to use your Mastercard saved in your Click to Pay profile.
Shop your favorite merchants by visiting mastercard. Click to Pay works best when you choose to remember your device. When our intelligent security recognizes you, you will skip sign-in and use your Click to Pay information to speed through checkout. You can choose to remember your device during a Click to Pay checkout. To view your Remembered devices , sign into your profile at mastercard. If you already opted in to receive emails, you will receive offers and news from Mastercard.
To unsubscribe, select the Unsubscribe option at the bottom of any email from Mastercard Click to Pay. You can always enroll your Mastercards at mastercard. To add cards from other payment brands, visit their websites directly. Click to Pay is designed to work with all modern web and mobile browsers, including Chrome, Firefox, Safari and Microsoft Edge.
To add a card, sign into your Click to Pay profile at mastercard. Then you can enter your card details. You can also add a card through your bank, if you see the Click to Pay icon on your banking website or app. At this time, you are unable to edit cards and must delete and re-add cards to change any information.
To update a card, delete it from your profile and add it again with the updated information. From there, you can manage all your Mastercard payment methods in one place. You can add credit, debit and prepaid cards from Mastercard and other payment brands, such as American Express, Visa and Discover, to your Click to Pay profile.
However, each merchant decides which cards it will accept. We apologize for the inconvenience and will report this issue to the merchant. Please try again later. To manage your Remembered devices , sign into your profile at mastercard. Choosing Remember me at checkout gives you faster access to your profile. Choosing this option allows your Click to Pay profile to be recognized whenever you check out with Click to Pay. If your device and browser are remembered, you will not need a verification code to sign into your profile at checkout.
You can manage your Mastercard Click to Pay profile any time by visiting mastercard. Here you can add or delete a card, add or delete a shipping address, manage remembered devices and browsers, and delete your profile. To manage cards and profiles with other payment brands, visit their websites. You need an email address and a mobile number to use Click to Pay. To verify you and to prevent fraud, we may send verification codes to your email address or via SMS.
Unlike static passwords that can get lost or stolen, Click to Pay sends a one-time passcode via email or SMS. This helps protect your payment information and keeps you safe from imposters. Hence, we can be sure that you — and only you — are using your Click to Pay profile. The co-branded card program is then marketed to that partner company's customer base. Many different industries have successfully implemented co-brand programs, including airlines, gasoline providers, automotive companies, warehouse clubs and supermarkets.
One thing these companies have in common is a growing base of customers who purchase products or services on a recurring basis. The level of support provided and the degree of responsibility for designing and implementing the solicitations and card promotions will depend on the agreement reached between the partner and the card issuer.
Mastercard has many different levels of support and expertise available to help a company market its co-brand card and grow its business. Co-brand cards carry the Mastercard logo and must conform to certain Mastercard design standards. Mastercard rules permit the partner's logo to be a dominant feature on the face of the card. The name of the Mastercard issuing financial institution may appear, but it is not required.
This and other card design details will be determined by the partner and the card issuer. The first place to begin is with a bank or financial institution with which your company already has a relationship. Or, Mastercard can provide a list of potential financial institutions from among the thousands we have done business with over the years. That depends on the goals and budget of the partner company. However, Mastercard has a dedicated staff of highly experienced co-brand specialists who can help a company evaluate and establish a co-brand partnership that will meet the objectives of all parties involved.
Mastercard contactless is like having exact change wherever you go. A simple tap of your card, key fob or smart phone is all it takes to pay at checkout. Simply tap to pay anywhere you see the contactless symbol at checkout. This includes fast food restaurants, gas stations, convenience stores, pharmacies, stadiums and more. Find participating locations. If you don't see the contactless symbol, your contactless-enabled card can still be used by inserting your chip or swiping at checkout.
To make a purchase, simply tap your Mastercard contactless card, key fob or smart phone on the payment reader when checking out at participating retail locations. Can I use my contactless card or device on payment readers that don't display the contactless logo? You can make contactless payments on any contactless payment reader that displays this symbol.
You may also use contactless cards in magnetic stripe readers by swiping the card. However, you cannot use a contacless key fob or smart phone in a magnetic stripe reader. Please note that if you have more than one contactless card in your wallet, you should remove the specific card you would like to use rather than tapping your wallet against the reader. Purchases made with contactless will be displayed on your Mastercard statement just like any other purchase. Contactless uses a hidden, embedded computer chip and radio frequency antennae.
After you tap your contactless card or device at checkout, payment details are sent wirelessly to the Mastercard network. If using a mobile phone, moments after you tap, you'll receive payment confirmation and be on your way. A key fob or payment tag is a special contactless device that you can attach to your key chain. Card issuers sometimes provide this as a companion to your traditional primary Mastercard plastic card.
Treat your contactless card or device as you would any other credit, debit or prepaid card. Always know where your contactless card or device is and keep it in a safe place. And be sure to keep a record of all of your card numbers, expiration dates and emergency phone numbers. If you have a contactless-enabled mobile phone, you can turn it on or off.
If you are using a contactless card or fob, it's always on and ready to use. Contactless payments provide secure encryption technology and Zero Liability Protection and are as secure as your regular card. If you've lost your card or you suspect unauthorized activity on your account, immediately contact the financial institution that issued your card.
If you don't know your card issuer's number, contact Mastercard and we will assist you in finding that information. If you believe your question can only be answered by Mastercard, click here to submit your question. Click here to visit our Currency Conversion Tool. Visit our website for the latest currency exchange rates in the country you're visiting. We recommend that you contact the financial institution that issued your card to determine the currency conversion charges that are applied to foreign transactions.
I made a purchase in my local currency, so why was I charged a currency conversion fee? Mastercard investigates all complaints of deceptive merchant practices. Should you wish to speak with someone directly regarding this communication, feel free to send us an email. The best place to get foreign currency is usually at your destination, not at home. At home, financial institutions have paid for transporting, securing and storing that foreign currency—— and those costs are passed on to you.
ATMs are conveniently located at most airports and at major tourist destinations, as well as many other places. You can also download the Mastercard Nearby app. Go to an ATM to get foreign currency at your destination, not an exchange bureau. The ATM may impose fees, but the exchange rate will be much more favorable than that of a currency exchange, so you'll save money overall. Using a credit card at an ATM is considered a cash advance, which means:. The best practice is to let the currency conversion be done by your home bank and decline the currency conversion option.
Yes, be sure to tell your bank you'll be traveling cross-border and where you're going. Your bank might decline a transaction for your protection unless they know the card's been authorized for use in countries other than your home country. If you already have a deposit account with a bank or credit union, they might be able to provide you with a Mastercard. Otherwise, Mastercard has created an online tool to help US-based consumers choose from available card products.
It's easy to get started. The first step is to contact an acquirer or a payment services provider to apply for a merchant account with a bank or one of its agents. Electronic versions of the Mastercard brand mark are available for download from the Mastercard Brand Center. Learn here about accepting electronic payments. Also referred to as a merchant bank, an acquirer is a financial institution licensed by Mastercard to help a merchant accept Mastercard payments.
Acquirers either sell their processing services directly to merchants or hire agents to sell on their behalf. These agents must be registered with Mastercard and clearly identify the Mastercard issuing bank they represent on their business cards and stationery. The merchant agreement should also clearly identify the name of the bank. A payment facilitator is a merchant of record who facilitates transactions on behalf of a sub-merchant.
Interchange rates are fees paid by acquirers to card issuers on purchase transactions conducted on payment cards. They are only one of many cost components included in a Merchant Discount Rate. Mastercard establishes its interchange rates, which are a necessary and efficient method by which Mastercard maintains a vibrant payments network. Learn more about Mastercard interchange rates. If you believe your question can only be answered by Mastercard, submit your question here, or send us an email.
You can also mail a letter to:. I work in law enforcement and I'm investigating a fraud case, whom can I speak with? Please email our Law Enforcement Support Center. Please do not include full card numbers in the email; provide only the first 6-digits.
We'll respond to your inquiry within 72 hours. While banks and financial institutions do issue cards branded with the Mastercard name and mark under a license from Mastercard, the actual relationship with a cardholder is solely that of the issuing institution. As a result, any account information is maintained by the bank or financial institution that issues the Mastercard, including periodic statements, disclosures and communications to the cardholder.
If your card is lost or stolen, please contact the Mastercard Assistance Center toll-free at Mastercard or collect from outside the U. You should also contact the financial institution that issued your Mastercard. See our full list of emergency contact numbers. We're here to assist you 24 hours a day, days a year. Call to speak with a representative regarding:. What liability do I have for unauthorized purchases made on a lost or stolen Mastercard?
If you have Mastercard Zero Liability Protection , once you report your card to Mastercard as lost or stolen, no unauthorized charges should be posted to your account. However, we recommend you review your next two billing statements just to be sure. If you see unauthorized transactions, please promptly contact the financial institution that issued your card. Look for their customer service number on the back of the card or on your billing statement.
You can also contact the Mastercard Assistance Center either toll-free at Mastercard or collect from outside the U. Mastercard can assist you in getting a replacement by working with the financial institution that issued your card.
Replacement cards require that your financial institution authorizes a new account number. To request an emergency card replacement, please contact the Mastercard Assistance Center either toll-free at Mastercard or collect from outside the U. You can also contact the Mastercard Assistance Center toll-free at Mastercard or collect from outside the U. To confirm if you are a World Elite cardholder, please check the front or back of your card for the World Elite logo or check with your issuer.
When you scan your card, we look at the first six digits of your card in order to verify that you are an eligible Mastercard cardholder, and we may capture your eligible card type. Nothing is being recorded on your camera for us to see. If you provide the app with access to your camera, you will be able to enjoy the augmented reality feature and scan your card to verify eligibility, as described above.
We collect certain information using tracking technologies via automated means, such as your IP address, mobile device identifier, app usage data, such as clicks, time spent, etc. For example, we may want to understand which content, products and features of our app most interest our users and how our online products and services perform from a technical point of view.
Please visit our Privacy Notice for more information. Contact 1. Due to the AR component of the app, any devices that are not AR compatible or are not iOS12 or higher will be unable to find the app in the iOS app store. Mastercard Nearby is a mobile app that helps you quickly and easily find places where you can get access to cash or make a purchase. It's simple; just select the services you want and the app will display locations near you. You can also search for locations by entering an address in the search field.
Choose from List or Map view, then select a location to display information, share via e-mail or text and, depending on your location, get driving directions. You can also report a problem with a location through the app. You can search for ATMs by financial institution name or by filtering for the following features:.
You can also search for participating Mastercard contactless and cash back merchants by merchant name or category including:. Cash back locations are merchants that offer cash back when making a purchase with your debit card. Location Services must be turned on in your phone settings if you would like the app to find locations near you.
If Location Services is not turned on, you can still search for a location by typing a street address into the Search bar. If you don't receive any results in a particular country or region, the information is currently not available. We are continually working with financial institutions and merchants around the world to expand our location database and provide you with the most up to date and accurate location information.
In countries where street level mapping showing precise street addresses is not yet available, locations default to the city or postal code center. We're continually adding street level mapping in new regions and territories around the world. We're unable to provide driving directions in regions that don't have street level mapping capability. Mastercard Nearby has a tutorial you can follow when you first install the app, or access it any time through the app by going to About - View Tutorial.
The All view shows all the services you selected. If you wish to view only a single service at a time, use the top slider bar to select that service. You may also want to modify your radius in your settings to ensure you don't have too small or too large of a radius selected. Yes, locations can be shared from the location detail page by clicking on the share icon. You can send location information via email or SMS text.
Select ATM from the top slider bar and click the filter icon on the bottom bar. Then select the financial institution you want to search for from the drop-down list. You can filter merchants for contactless and cash back locations. Select cash back or contactless from the top slider bar and click the filter icon on the bottom bar. You can filter by merchant name or category.
Click on a location from the map or list view, then go into Location Details. Select the icon to Report a Problem, then select a pre-defined problem from the drop-down list. You can also select Other and enter a description of the problem.
Paying bills by check is on a permanent decline as electronic forms of payment such as credit and debit cards, ACH, and online services gain in popularity. Consumers have increasingly opted for electronic forms of payment to meet their needs for control, speed and security. A: Mastercard Send is a first-of-its-kind interoperable global platform that enables funds to be sent quickly and securely via three payment flows:.
Additionally, there is a Remittance API that can be used for providers looking to enable cross-border payments originating in the United States. A: In the U. Currently, the methods for these payments are slow, lack ubiquity and create security concerns. Consumers want to be able to send and receive money using their connected devices regardless of where they bank and disbursers are looking for cheaper and more efficient ways to send money to their consumers.
In line with Mastercard's vision to build a World Beyond Cash, Mastercard Send aims to make payments easier, safer and more efficient for all parties. A: While most electronic P2P and Disbursements' solutions rely on slow, batch-oriented ACH methods, the Mastercard Send solution leverages debit networks to move funds, typically within seconds. Mastercard Send is unique: funds can be transferred to virtually all debit cards in the U.
Through a set of APIs, a service provider can request a transfer through a sending acquirer, which Mastercard then routes to any U. A: Currently, the service is only available for U. However, the MoneySend mandate includes all consumer cards: debit, credit and prepaid.
Mastercard recommends that issuers support all cards when migrating to Transaction Code 28 to prepare for future service enhancements. A: One role that issuers play in a Send transaction is as receiving institutions. In this role, issuers are required to post funds to their cardholders' accounts. When a service provider sends funds to a debit account using Transaction Code 28, the issuer of the receiver's debit card is paid a share of network fees. Once an issuer has complied with the MoneySend mandate to enable Transaction Code 28, they will be eligible to start collecting these fees.
For more information on the mandate, see Global Operations Bulletin No. A: An issuer could offer P2P payment services by leveraging the Mastercard Send API to allow their cardholders to send and receive payments with their friends and family.
While Mastercard Send is a critical part of a P2P program, interested issuers should consider the other necessary implementation measures and development requirements. These considerations should include: customer acquisition costs, receiver management requirements for users without accounts at a bank, the necessary user interfaces for a standalone or integrated mobile application, among other considerations.
A: Mastercard Send is the first-of-its-kind interoperable global platform that enables funds to be sent quickly and securely. In the U. MoneySend is the Mastercard transaction type Transaction Code 28 designed for real-time money transfers by issuers connected to the Mastercard network. Find the Mastercard Everyday Prepaid Card that's right for you; they're available at participating stores and online at Mastercard Prepaid cards.
Activation and registration requirements vary, so check your card packaging for detailed instructions. However, you'll need to register your card in order to take advantage of the reload function, Zero Liability Protection and card replacement benefits offered by your prepaid card. Use your Everyday Prepaid Card like a regular debit or credit card at checkout; swipe it at the terminal or give it to the cashier if requested.
Your purchase will automatically be deducted from the card balance. Use your Mastercard Everyday Prepaid Card anywhere that Debit Mastercard is accepted, including millions of locations worldwide plus online, mail and phone orders. You can also use your card to pay bills online. My available card balance won't cover my purchase amount. Can I still use my prepaid card? Yes, just tell the cashier in advance how much to deduct from your prepaid card and how much you will pay using an alternate payment method.
Note that this process, known as "split tender," may not be supported by all merchants. When you make a return, the cashier may ask to see your card. The value of the returned merchandise will be credited back to the card. If you registered your Mastercard Everyday Prepaid Card, your issuer can use the information you provided during registration to issue a replacement card. Be sure to keep a record of the card number. Contact the issuer immediately to report a lost or stolen card. You can also contact Emergency Services for additional assistance.
Certain exceptions apply. The best way to add funds to your card is to set up direct deposit of your paycheck. Direct deposit information varies, so check your card packaging or contact the card issuer. You can also add money to your card at participating retail locations. Check your card packaging or contact the card issuer to find out which retailers are supported.
Mastercard Prepaid Gift Cards are available at bank branches, retail locations, online and via phone. There are many card styles to choose from, some of which can be customized with unique designs, the recipient's name and personal messages. It's easy to find the prepaid gift card that's right for you. I received a Mastercard Prepaid Gift Card. Do I need to activate or register my card before using it? Many Mastercard Prepaid Gift Cards sold in retail locations are automatically activated when the card is purchased.
Call the customer service number on the back of the card if you have questions about activation. For online and telephone purchases, you may need to register your card with the card issuer. You can make purchases on your prepaid gift card until the value of the card has been depleted, or until the expiration date shown on the card. Prepaid travel cards work just like all Mastercard Prepaid Cards, which means you can spend up to the value placed on the card anywhere Debit Mastercard is accepted.
You might want to check your card balance before you shop since the merchant or service provider may not be able to retrieve this information for you. Depending on your card, you may be able to check your balance on the issuer's website. Certain merchants will also have the ability to read your card's balance for you. Contact the issuer of your card immediately to report a lost or stolen card. There is a customer service number listed on the back of the card.
Be sure to keep a record of the Mastercard Travel Card number. Your issuer may need this information to cancel the card and issue a replacement. The Mastercard rePower Load Network is a service that allows you to add money to your eligible Mastercard Prepaid Card at participating merchants. Follow the instructions provided with your card. Generally, this includes either visiting the card issuer's website or by calling the phone number on the back of the card.
When processing a purchase transaction, we collect limited information such as card number, merchant name, location, and the date and amount of the transaction. We may collect additional personal information in other contexts, such as for fraud monitoring and prevention, authentication, risk management and dispute resolution, or when individuals decide to participate in one of our optional programs such as Priceless Cities.
We help businesses, governments, the public sector and individuals better understand the world around them. To achieve this, we remove personal information by anonymizing data and produce aggregated trends and insights. One way that we use these trends and insights is for social good, thereby advancing financial inclusion and humanitarian efforts around the globe.
How can individuals know more about what data Mastercard collects and how that information may be used? Transparency is core to Mastercard. As a service provider, we refer individuals to the privacy notice provided by those third parties for more information on how their personal information is handled.
We do not share transaction data without consent or as otherwise legally permitted such as in the context of fraud prevention. There is therefore no immediate impact on data transfers. Mastercard closely monitors European and UK regulatory guidance on this issue. More information on our position regarding Brexit can be found here , and further information about the Schrems II Judgment can be found here. We take your privacy very seriously.
In addition, we employ rigorous standards to ensure the safety and security of data not only within Mastercard, but with all our partners and vendors as well. We provide individuals with privacy rights and choices.
You can opt out of your personal information being used for marketing , data analytics and web analytics at any time and at no cost, using our online forms. Individuals also have the right to access, correct, modify or move their personal information via our online portal , which is currently available for all users located in the European Union and will shortly be accessible worldwide.
A merchant wanted to charge a surcharge or fee to use my Mastercard. What should I do? As a result of a court-approved settlement, Mastercard agreed to modify its rules to permit U. Merchants have the option to add a surcharge at the "brand level" where the surcharge is the same for all Mastercard credit cards, regardless of the card's issuer, or they can add a surcharge at the "product level" e. Read the details on our merchant surcharge page.
A merchant's ability to surcharge on credit cards is subject to any restrictions or prohibitions imposed by applicable state law. Mastercard rules continue to prohibit merchants from applying a surcharge on debit cards. If you are not certain whether you have been charged appropriately, or you would like to report a questionable charge, send us an email and provide the information requested.
What should I do if the merchant surcharge was not clearly disclosed before I paid? Merchants must clearly disclose their surcharges at the register and clearly indicate the amount of the surcharge on the receipt. If you believe you've been charged incorrectly, send us an email with the merchant details and other necessary information.
The surcharge that the merchant assesses may not exceed the merchant discount rate that the merchant pays for the credit card that is surcharged. In the United States, this charge for Mastercard typically ranges from 1. Merchants much clearly disclose their surcharges at the register and clearly indicate the amount of the surcharge on the receipt. If you do not believe that you have been charged appropriately, or you would like to report a questionable charge, send us an email.
If a transaction is declined, please contact the financial institution that issued your card. Sometimes banks put security measures in place on certain types of transactions to reduce the risk of fraud, which may result in declined transactions. If you believe your question can only be answered by Mastercard, please contact us to submit your question. To request an emergency card replacement, please contact the Mastercard Assistance Center toll-free at Mastercard , or collect from outside the U.
Mastercard will never solicit personal or account information from a cardholder and we suspect that the information you received is fraudulent. If you suspect fraud on your account, please contact your issuing bank immediately to report it. We would appreciate if you could forward the original email here.
Someone called to offer a lower rate on my Mastercard but it seems to be a scam. Mastercard does not contact individuals to request personal information including credit or debit card account information. If you received an unsolicited phone call, email, text or social media request from an individual claiming to be a Mastercard representative, do not respond. Mastercard cardholders should always safeguard their personal information and not respond to any suspicious emails or inquiries.
If you are a victim of a phishing attack and believe your account information may have been compromised, please contact the financial institution that issued your credit or debit card to report the incident. If you believe a transaction posted to your account is fraudulent, you should immediately contact the financial institution that issued your card.
Look for a customer service number on the back of the card or on your billing statement. I know who committed fraud on my Mastercard credit or debit card. How do I report it? If you believe that you have information about a person who has committed fraud by using your Mastercard without your permission, please contact the financial institution that issued your card.
Contact information can be located on the back of your card or on a monthly billing statement. I believe someone has applied for a Mastercard credit card in my name. Mastercard does not issue cards and we can't tell you if an account has been opened in your name. If you know the name of the financial institution that may have opened an account or issued a card in your name without your consent, we recommend you contact that financial institution immediately and cancel the account.
Then you should notify each of the three U. The credit reporting agencies should provide you with a copy of your credit report. Even if you don't see an unusual creditor on a credit report, you should formally write to advise them of the situation. For more information on credit reports, go to www.
There was a breach on my account and I received a new card. How can I get more information? Mastercard appreciates your diligence in protecting your finances. While we take each card breach very seriously and are working closely with investigative agencies, we encourage you to contact your financial institution for the most up-to-date information. Typically, there is a customer service number on the back of the card that you can call.
The Mastercard rePower Load Network is a service from Mastercard that allows you to add money to your eligible card at participating merchants. This service is currently available in the U. Simply visit a participating retailer with the cash you want to add. Some retailers support the card swipe method, which enables you to add funds in-store by asking the cashier to swipe your card.
Other retailers sell reload packs, Green Dot MoneyPak, Vanilla Reload Pack , that you purchase and add to your card by entering a code online or by phone. You can also add funds at Western Union locations; fill out a form and an agent will load the money onto your card.
Type in a city and state, or a zip code to search for a retail location nearest you. You can further narrow down the list of Mastercard rePower merchant locations by providing a street address. Click the Search button, and you will be presented with a list of locations and the type of reload supported e. Typically, you may get your balance by either visiting your card issuer's website or by calling the phone number on the back of the card.
Reload fees may apply, depending on the retailer. Please refer to the fees section and also check with a participating merchant for the most up-to-date information. Your debit or prepaid card must be eligible for rePower reloads. You can find out if your card is eligible by looking for the Mastercard rePower logo on the back of your card or by contacting your card issuer.
Mastercard Identity Check is our new and improved payment authentication program based on the payment industry specification - EMV 3-D Secure. SecureCode customers are encouraged to transition to Identity Check to take full advantage of the superior program benefits.
As the transition takes place, you will progressively see Identity Check information replacing SecureCode. Mastercard SecureCode is a service to enhance your existing Mastercard credit card or debit card. With a private code - similar to a PIN - you get protection against unauthorized use of your card when you shop at participating online retailers. Once you've registered and created your own private SecureCode, you'll be prompted to enter your code when you shop with a participating online merchant.
Your SecureCode will be quickly confirmed by your financial institution and your purchase will be complete. Your SecureCode will never be shared with the merchant. If you forget your code, you may be prompted to reset it, or you can contact the customer service number for your financial institution, which is typically found on the back of your card.
What is Mastercard's policy when it comes to reporting security vulnerabilities? We know that secure products and services are essential to the trust that our customers, cardholders, merchants and other partners place in us. If you believe you have identified a security vulnerability, we encourage you to report this to us as soon as possible through our vulnerability reporting program.
We'll investigate all verifiable and legitimate reports and do our best to fix the problem as quickly as possible. Mastercard invites selected researchers for such programs based on their technical expertise and rankings on the Bugcrowd leaderboards.
Monetary rewards are offered to external security researchers if they identify an issue on one of the in-scope platforms. Compensation depends on the severity and impact of the identified issue. Mastercard reviews each identified vulnerability and reserves the right to reward submissions made on out-of-scope assets.
You can submit potential security vulnerabilities to us through our Bug Bounty programs on Bugcrowd. Please note that information provided through a Mastercard email address security mastercard. Merchants can charge an extra fee to customers who pay with Mastercard branded credit cards, where permissible by law. These fees are not allowed on Debit Mastercard or Mastercard prepaid cards. Additional details on these surcharges can be found in our merchant surcharge rules. Merchants must clearly disclose their surcharge policies at the register and clearly indicate the amount of the surcharge on the receipt.
If you are not certain whether you have been charged appropriately, or would like to report a questionable charge, please send us an email. What should I do if the merchant surcharge was not clearly disclosed before I paid or indicated on my receipt? Click here to read the requirements.
If you are not certain whether you have been charged appropriately, or you would like to report a questionable charge, email us here and provide the information requested. These requirements can be found by visiting our merchant surcharge rules. If you're not certain whether you have been charged appropriately, or you'd like to report a questionable charge, please send us an email.
For specific questions relating to state or local income taxes, contact your local tax authority. After you've entered the payment amount, the website will disclose the convenience fee. The fees may vary depending upon the amount of taxes due. You can reach the IRS by calling or by visiting www.
Someone called to offer a lower rate on my Mastercard but it seems like a scam. Please be advised that Mastercard does not attempt to contact individuals to request personal information including credit or debit card account information. Mastercard cardholders should always safeguard their personal information and not respond to any suspicious emails or other inquiries.
If you are a victim of a phishing attack and believe your account information may have been compromised, please contact the bank or financial institution that issued your credit or debit card to report the incident. Tokenization reduces fraud related to digital payments by making transactions more secure by including a dynamic component with each transaction.
It takes the security of a physical EMV chip and applies it to non-card environments including proximity, mobile and internet payments. Merchants benefit from more secure transactions as well as faster checkout experiences, new payment acceptance options and more ways to sell.
Existing contactless terminals are compatible with tokenized transactions and no action is required. To use DSRP merchants must:. The new digital wallets connect into Mastercard Digital Enablement Service MDES , so participating issuers can enable secure mobile payments on millions of devices. For consumers and merchants alike, every purchase made with a tokenized Mastercard debit, credit, prepaid or small business card using Apple PayTM, Google PayTM or Samsung Pay in the United States offers the enhanced security and benefits of a digital Mastercard transaction including secure tokenization technology.
Merchants that use card numbers to identify customers will not be able to recognize returning customers if it's the first time they're using their token, since it appears as a new card number. For questions on dispute resolution during COVID, please review frequently asked questions and best practices here. Please contact the financial institution that issued your card to dispute a charge.
Only your issuer holds your specific and unique information including what rights you have to file disputes. The dispute process agreed to by financial institutions that issue Mastercard or process Mastercard transactions is set up to allow the financial institutions to manage disputes with cardholders and merchants in a formal manner. Who do I contact if I never received an item that I purchased online or by phone? If you did not receive an item that you purchased or if you received an incorrect item, you should first contact the merchant to try to resolve the situation.
If you can't come to an agreement and you want to dispute the transaction, this must be done directly with the financial institution that issued your Mastercard. Typically, there is a customer service number for your financial institution on the back of the card.
If you purchased an item but received the wrong one, please contact the merchant to try to resolve the situation. If you and the merchant cannot resolve the issue, and you want to file a disputed transaction, this must be done directly with the financial institution that issued your Mastercard. Typically, there is a customer service number for your financial institution on the back of the card that you can call.
You can always contact the Mastercard Assistance Center either toll-free at Mastercard , or collect from outside the U. If you used a Mastercard for a purchase from a business that has filed for bankruptcy, you can file a disputed transaction with the financial institution that issued the card.
By submitting a Submission, you represent and agree that: i the Submission does not violate any law or regulation or any right of any third party, including those laws, regulations, and rights related to copyrights, trademarks, publicity, or privacy; ii you have the right to grant the rights to a Submission as provided in these Official Rules; iii the Submission has not been published or submitted in any other competition; iv the Submission is your original work; v the Submission has not won previous awards; vi you have obtained permission from any person whose name or likeness is used in the Submission; and vii that publication of the Submission via various media including social posting, will not infringe on the rights of any third party.
You will indemnify, defend and hold harmless Sponsor and the other Released Parties, Facebook, Twitter, and Instagram from any claims to the contrary. You further agree that submission of a Submission is gratuitous and made without restriction and will not place Sponsor under any obligation and that Sponsor is free to discuss or otherwise disclose the ideas contained in the Submission on a non-confidential basis to anyone or otherwise use the ideas without any additional compensation to you.
You acknowledge that, by acceptance of your Submission, Sponsor does not waive any rights to use similar or related ideas previously known to Sponsor, or developed by its employees, or obtained from sources other than you.
Sponsor reserves the right to screen Submissions, but may post Submissions without editing or other prior review. You acknowledge that Sponsor has no obligation to use or post any Submission that you submit. For each Entry Period listed below, on or about the dates set forth in the chart below, one 1 potential First Prize winner will be selected in an individual random drawing from among all eligible entries received during the applicable Entry Period for a total of twenty-four 24 First Prize winners during the Sweepstakes.
Non-winning Entries from one 1 drawing will carry forward to and be included in subsequent drawings. All drawings will be conducted by Administrator. By participating, entrants agree to the terms of these Official Rules and to the decisions of the Sponsor, which will be final and binding in all matters relating to the Sweepstakes.
Sponsor shall have the right to announce the winners on its social feeds Instagram, Twitter, or Facebook or otherwise , in its sole discretion. Odds of winning any drawing will depend on the total number of eligible Entries received for each applicable Entry Period.
Limit one 1 First Prize per person, per household and per email address for this Sweepstakes. Prizes will be awarded to the person that is the authorized account holder of the Facebook, Twitter, or Instagram account from which a winning Submission was submitted, subject to eligibility verification, and compliance with these Official Rules.
Prizes: One 1 Grand Prize: Grand Prize winner will receive a 6-night trip for ten 10 winner plus nine 9 guests to reunite with family anywhere in the world. Twenty-four 24 First Prizes one 1 prize per Entry Period : Each First Prize winner will receive a 3-night trip for six 6 winner plus five 5 guests to reunite with family within the fifty 50 United States, including the District of Columbia.
All Trip details and prize details not specifically set forth herein will be determined by Sponsor in its sole discretion. Trip must be booked 90 days prior to travel and be completed within twelve 12 months of prize acceptance or prize will be forfeited and an alternate potential winner may be selected by random drawing from among all remaining entries received, if time permits.
Sponsor, in its sole discretion, reserves the right to provide ground transportation in lieu of air transportation. Released Parties are not responsible for travel delays or cancellations. Prize and prize elements may not be separated or redeemed for cash.
Travel, hotel and Mastercard Prepaid Card restrictions apply. Trips are subject to supervision and security and other policies designated by Sponsor. Itinerary and program elements are at the discretion of Mastercard and are subject to change. Each prize winner and their respective guest agrees to comply with all applicable hotel rules and regulations in connection with the prize.
Released Parties will not be responsible for a Force Majeure Event defined below outside their control that may cause the cancellation or postponement of any elements of trip. All costs and expenses associated with the acceptance and use of the prize not specified herein as being awarded, including, but not limited to, all federal, state and local taxes, additional air and ground transportation, food, beverages, souvenirs, gratuities, airline luggage charges, incidentals, upgrades, insurance, service charges and other misc.
Each prize winner and their respective guests are responsible for obtaining travel insurance and all other forms of insurance at their option and hereby acknowledge that Sponsor has not and will not obtain or provide travel or other form of insurance. Prize winners will be solely responsible for all federal, state and local taxes, and for any other fees or costs associated with the prize s they receive, regardless of whether they, in whole or in part, are used.
The ARV of the prizes is based on available information provided to Sponsor and the value of any prize awarded to a winner may be reported for tax purposes as required by law. The winners may be required to provide Sponsor with a valid social security number before the prizes will be awarded for tax reporting purposes. An IRS Form may be issued in the name of winners for the actual value of the prizes received.
Unclaimed prizes will be forfeited. The Released Parties are not responsible for and will not replace any lost, mutilated or stolen prizes or any prize that is undeliverable or does not reach a winner because of an incorrect or changed address. If a winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited and the Released Parties will have no further obligation with respect to that prize or portion of the prize. You may be required to sign a document confirming your consent to this effect.
Miscellaneous: No transfer, assignment, cash redemption or substitution of a prize or portion thereof will be permitted, except by Sponsor, in its sole discretion, due to prize unavailability or other causes otherwise determined solely by Sponsor, and then for a prize or applicable portion of equal or greater value. Each winner will be required to notify Sponsor of prize acceptance by returning an executed and notarized Affidavit of Eligibility, Liability Release and where legal Publicity Release within five 5 days of issuance of notification or other time period determined by Sponsor in its sole discretion.
Each winner may also be required to submit to a confidential background check to confirm eligibility and ensure that Trip attendance by such person, or the use of any such person in advertising, promotion or publicity, will not pose a security threat or bring Released Parties into public disrepute, contempt, scandal or ridicule or reflect unfavorably on Released Parties as determined by Sponsor in its sole discretion, and, in such event, the prize may be forfeited.
Non-compliance with any of the foregoing may result in disqualification and awarding of prize to an alternate winner, if time permits. Released Parties make no warranty, guaranty or representation of any kind concerning any prize or any portion thereof , and disclaim any implied warranty. Except where prohibited, entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the State of New York.
The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. Hong Kong. Las Vegas. Los Angeles. Mexico City. New York. New Zealand. Rio de Janeiro. San Juan. South Africa. Sri Lanka. St Andrews. United Arab Emirates. Clear Selection. Language: English. Croatian kuna - kn. Danish krone - DKK. Emirati dirham - AED. Hungarian forint - Ft. Indonesian rupiah - Rp. Malaysian ringgit - MYR.
Norwegian krone - kr. Romanian leu - lei. South African rand - R. Swedish krona - SEK. Swiss franc - CHF. Fuel your passions. Make memories to last a lifetime. Start Something Priceless. Welcome ,. We look forward to delighting you. Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
Complete your registration to unlock unique experiences tailored to your specific Mastercard. Skip to main content. Digital experiences. Log in. Sign up. All Experiences. I'm looking for. NEW You can now follow this luminary Be the first to hear about their new offerings. Priceless Golf. What's Priceless this week. Golf Experiences.
Released Parties are not responsible for lost, incomplete, illegible, late, misdirected, stolen, postage-due, or mutilated entries or mail; any error, omission, interruption, defect or delay in transmission, 3 rd party transaction classification, transaction processing, or communication; technical or mechanical malfunctions; failures or malfunctions of phones, phone lines, or telephone systems; errors in these Official Rules, in any Sweeps-related advertisements or other materials; human-processing error; failures of electronic equipment, computer hardware or software; or inaccurate entry information, whether caused by equipment, programming used in this Sweeps, human error, or otherwise.
The potential First and Second Prize winners will be notified by their applicable Participating Issuer by mail, at its discretion. Subject to verification of eligibility and compliance with these Official Rules, the potential winners will be declared the official winners of the Sweeps. Odds of winning a Grand Prize will depend on the total number of eligible Sweeps entries received during the Promo Period. Odds of winning a First or Second Prize will depend on the total number of eligible entries received per applicable Participating Issuer during the Promo Period.
The value of any prize awarded to a winner may be reported for tax purposes as required by law. The winner may be required to provide Sponsor with a valid social security number before the prizes will be awarded for tax reporting purposes. An IRS Form may be issued in the name of the winner for the actual value of the prizes received. Unclaimed prizes will be forfeited.
The Released Parties are not responsible for and will not replace any lost, mutilated or stolen prize s or any prize that is undeliverable or does not reach a winner because of an incorrect or changed address. If a winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited and the Released Parties will have no further obligation with respect to that prize or portion of the prize.
Limit one 1 prize per person. Sponsor, in its sole discretion, reserves the right to provide ground transportation in lieu of air transportation. Released Parties are not responsible for travel delays or cancellations. If any prize-related activity s is canceled or postponed for any reason, before or after Trip arrangements are made, Sponsor reserves the right, in its sole discretion, to award the balance of the prize or to award an alternate prize of equal or greater value in full satisfaction of prize award.
Released Parties will not be responsible for weather conditions, Acts of God, acts of terrorism, civil disturbances, work stoppage or any other natural disaster outside their control that may cause the cancellation or postponement of any elements of Trip.
First Prize Statement credit restrictions apply. Any information entrant provides may be used to communicate with entrant in relation to this Sweeps or on a Sweeps winners list. Opting out of receiving email communications from a Participating Issuer s will not preclude a consumer from winning.
The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. Some companies think they may have found a rich new source of material for advertisements aimed at consumers: the consumers themselves.
As Tracy Smith reported on The Early Show Tuesday, "interactive advertising" gives Internet users a shot at getting their ideas used in commercials. Case in point: MasterCard, which is running a contest calling for entrants to fill in the blanks about what is "priceless," playing off the credit card giant's famous advertising tack.
The answers could be used in a MasterCard commercial. They want to give you your ideas. So we thought, 'Let's harness that. Major brands used to leave their creative needs in the hands of Madison Avenue ad agencies, Smith points out, but these days they're turning to Main Street, asking ordinary consumers to pitch in. The concept isn't entirely new.
Back in the '50s, suburban housewives created jingles for their favorite products. Today, companies want you to spend more time "engaged" with their brand, and that means logging on to their Web sites, where consumers get the tools they need to make their own ads. Most of them are art students or film students or animators or cinematographers looking for a break.
An IRS Form may be hold harmless Sponsor and the other Released Parties, Facebook, Twitter, value of the prizes received. PARAGRAPHMastercard and Priceless are registered and security and other policies. Contact cardholder services for the. Trips are subject to supervision drawing will carry forward to and awarding of prize to. Cash Reload vendors may charge reserves the right to provide kind concerning any prize and. Released Parties make no warranty, trademarks, and the circles design Submissions without editing or other disclaim any implied warranty. If Card has additional features, foregoing may result in disqualification is a trademark of Mastercard. Sponsor reserves the right to 1 Weekly Entry Period drawing will not carry forward to. Travel, hotel and Mastercard Prepaid free accounting homework problems answers travel delays or cancellations. Sponsor, in its sole discretion, and the circles design is a trademark, of Mastercard International.Mastercard Priceless Surprises ® aunn.essaywritingspot.com, click on "Write a Priceless Ad Contest" and complete the commercial by filling in the blanks using their. The announcer says, “Blank. Nine dollars.” Then a woman on a motorcycle rides into view. “Blank. Sixty dollars.” Eventually, the man hops on the. One current ad for Visa, featuring Kevin Bacon forgetting his ID, was the highest-scoring of all commercials aired during the Emmy Awards show.