Mastercard Open Finance

Gain real-time insights to identify cashflow gaps, streamline payment reconciliation and better manage working capital

Engage customers with clean, enriched financial data across multiple account types and providers

Connect consumers and businesses to seamless and secure financial data for smarter personal finance management solutions with real-time visibility into transactions for better money management

Gain insights on authorized users, onboard more customers with confidence while reducing account opening fraud

Reduce costly payment failures and fraud to protect revenue and improve consumer experiences

Deliver a seamless account opening experience with permissioned data to verify account owner identities, details and balances for faster onboarding and funding

High-scale API platform servicing 15+ billion API calls globally each year with 95% of U.S. deposit accounts, all Australian banks and nearly 3,000 European banks connected

Increase approvals with more accurate and inclusive credit scores that use consumer data, always with their consent, while mitigating underwriting risks and driving financial inclusivity

Enable secure and simple account-to-account payments from any platform across financial ecosystems

Automatically update payment methods to make account transitions seamless

A direct deposit switching solution built for the digital future with no payroll forms required

A unified payments platform designed to simplify global commerce and support business expansion

Offer personalized experiences with permissioned data and network intelligence

Enables consumers and businesses to securely access and share their financial data with permissioned consent controls