The analysis objective is to provide with a picture of the most recent and new coming relevant trends and competitors rather than reinforce with data and sources the predominate usage of mobile money technologies predicted for a medium-long term scenario. The analysis is intended to illustrate how countries with higher rates of bancarization are adopting new technologies. In this sense is essential to illustrate the relevant role of credit cards among other reasons for the current scenario where the funding is scare. PayPal CEO recently said in an statement “we( Pay Pal) challenged ourselves to find a better experience than swiping a credit card, Mobile Wallet compare to credit and debit cards still doesn´t offer an clear advantage for a widespread adoption”.

1. May 2014 https://about.me/EDUARDOLFP
Online Payment Methods trends for a seamless experience
Global trends and examples focus on the Spanish Markets

2. Some Payment stats and figures
Tecnocom 2013: Most common payment method in online purchases
•65% of Spaniards have
purchased at least an item
online being the debit card the
most widespread methodused
•According with Cetelem 71% of
users that purchase online
have usedPaypal
•In 2013 15% of ecommerce
volumeis mobile
•Caixa Bank leads the market
with 600,000userwallets
•56% of Spanish mobile owners
use their devices to make
payments according to MMA
Spain
•Credit services offered via
cards is a major driver for the
adoption of credit cards
Payment frequency Credit Payments

3. Sector´s angle

4. “Mobile Wallet compare to credit and debit cards still doesn´t offer an clear advantage
for a widespread adoption”…PayPal CEO

5. MFS: Mobile Wallet adoption is not in a significant growth path despite its awareness
1. Trademarks shown represent the digital wallets included in the survey. All
trademarks are the property of their respective owners.
2. PayPal is excluded from the above graphic in order to isolate the newer
digital wallet technologies for market sizing purposes.
With a variety of market entrants throwing their hat into the ring, the digital wallet competitive landscape remains
fragmented. In terms of awareness, only three competitors have reached double digit penetration levels, and in terms of
usage, only one.

6. MFS: SP NFC adoption
Equal to Global trends the NFC adoption in SP is focused on limited to tech users so far

7. Widespread adoption of digital wallets will depend largely on the ability of marketers to effectively reach the prospects. young people are
the mobile financial services power users.
Mobile Wallet users profile is still concentrated
USA Mobile Walletuserprofile m- CommerceUsers Profilean d habits in Spain

8. MFS: Mobile Wallet compare to credit and debit cards still doesn´t offer an clear advantage for a
widespread adoption
https://www.youtube.com/watch?v=zqbK
hI1QWU4
https://www.youtube.co
m/watch?v=4I9MbIrlEUw
https://www.youtube.com/watch?v=PihREL7
ARU8&index=7&list=PLzaFN0_jh1EV0QzZQBS
LFIZWAvrNfGxAk
implementing MyTouch
:
• Resorts/Hotels
• Restaurants
• Grocery Stores
• Department Stores
• Bars
• Spas/Salons
• Shopping Malls
• Fitness Centers
• Pharmacies
• Amusement Parks
• And More!
The Mission of the FIDO Alliance
is to change the nature of
online authentication. The FIDO
Alliance plans to change the
nature of authentication by
developing specifications that
define an open, scalable,
interoperable set of
mechanisms that supplant
reliance on passwords to
securely authenticate users of
online services.
Eg. Fingerprint security payment

9. Mobile Wallet is evolving with technology to generate a unique experience
Credit&
debit
Cards
Bank
account
cash
wallet
Credit&
debit
Cards
Bank
account
cash
wallet
Loyalty
Cash
Transit
Tickets
Payment Approach Big data & loyalty approach
Holistic Approach:
get consumers excited using a digital wallet
for payment so that others can follow in
their digital footsteps
Spending
Tracker
Whist list
Budget
Bank
interconne
ction
Real time info
make better
buying
decisions
+ +

10. Thecnology NFC vs BLE
NFC, like a telephone, is used to facilitate a one-to-one, data-
oriented communication session between a person and a thing
or between two NFC-equipped individuals.
BLE, like a lighthouse, is used to call a mobile app’s attention to its
current surroundings so that it may initiate a pre-defined action
appropriate to the given location.
¿?
ONE TO MANY: BLE beacons repeatedly transmit a discovery
packet. When a consumer´s BLE enabled (Bluetooth 4,0)
smartphones is within range of the transmission, it receives the
packet and measures the signal strength to determine an
approximate distance form the beacon. The OS then extracts the
beacon ID form packet and markets the ID available to the
appropriate app. The app interrogates the ID to determine the
next action
ONE TO ONE: The consumers observes an NFC tag affixed to an
object with which they wish to engage. They place their NFC-
equipped smartphone within 4 centimeters of the NFC tag.
Radio waves form the smartphone cause the NFC Tag to power-
up its internal microprocessor. Once powered-up, it executes a
stored program. Te program typically transmits the content s on
of the Tag´s internal memory to the smartphone. The
smartphone executes an action based upon the received
content
Upon entering a store, the consumer’s mobile payment app
senses a BLE Beacon. The app responds by passively “checking-in”
to alert the retailer’s POS of the consumer’s presence. At checkout,
the consumer tells the checkout clerk to post the sale to the mobile
payment account, which is visible on the clerk’s POS terminal. The
clerk verifies the consumer’s identity and completes the
transaction.
Upon checkout, the consumer tells the checkout clerk that they
wish to pay for the sale via credit card. The consumer opens
their mobile wallet, selects the desired card and then taps their
smartphone on the retailer’s payment terminal. The consumer’s
payment credentials are automatically retrieved from the
smartphone’s Secure Element (a protected area of memory)
and transmitted securely via NFC to the payment terminal
Upon entering a store, the consumer´s shopping app sense a BLE
Beacon. Their app checks for the availability of an offer. If on is
exists, it send the consumer a notification. The consumer
acknowledges the notification and then either saves the offer to
their mobile wallet or disregards it
A consumer observes a marketing orientated call-to action
presented on a static or digital sign. The consumer places their
NFC-enabled smartphone on a n NFC Tag that is either affixed
to or placed near the signage. THE offer is presented to the
consumer, which they may optionally save to their mobile wallet
Tag Beacon

11. technology on which big players are defining their positioning
 It's secure because your number isn't
stored anywhere. It uses a substitute
number that hackers won't be able to
do anything with unless they also have
your phone and your fingerprint.
 Beyond paying at stores, you can use
Apple Pay to make online purchases
within apps without having to re-enter
your billing and shipping information.
 Fingerprint confirmation
 Google essentially creates a
MasterCard debit account on your
behalf, and your regular card is
charged on the back
 Transfer money & Loyalty cards
 Passcode confirmation
 Physical card
 There are several ways to pay with PayPal's
app. For food, you typically order a meal
for pickup or delivery and pay online ahead
of time. For retailers that accept in-store
payments, you typically authorize that
merchant on your app, and the merchant
chooses your photo after it appears on the
cash register. In a few cases, you provide
your phone number and PIN at the retailer.
Automatically connecting buyer and seller
 You can make payments through your bank
account, not just cards. You can also send
money to friends.
•BLE technology for engagement
•Payments NFC concept
•In-store momentum ( payments, orders,
engagement,…..)

12. Paypal seeks for in-store momentum to offer real added value and beatpayment cards
https://www.youtube.com/watch?v=axbRMyY59CM
Pay at Table with PayPal
and OrderMate
PayPal Beacon Hands Free Payments
 We ( Pay Pal) challenged ourselves to find a
better experience than swiping a credit card,”
he said in a statement. “We figured the only
better way to pay would be to do nothing. Just
walk in a store, and, like magic, when you’re
ready to pay, money is transferred securely. No
wallet. No card. Nothing to do. Not even
touching your phone.
Check in to pay
https://www.youtube.com/watch?v=kKOn-
SjSxkg&list=PLRCkcoqhahzPbqPdi5wNJgKa0d
QvASAhu#t=15https://www.youtube.com/watch?v=m12pHb9ql04
 Of all of the digital wallets surveyed in both the Fed and comScore study, PayPal is the general purpose digital wallet that consumers have used the most to
shop in-store. It’s had 14 years to build a brand and a digital footprint online, worldwide, and has 100+ million active digital wallets to leverage, but it’s been
focused on evolving its digital wallet’s user experience in-store and building momentum to drive acceptance and more places for consumers to use the product
they already have on their mobile devices. In fact, last year alone, PayPal is said to have introduced 53 new products to enhance the in-store
merchant/consumer experience, introducing both PayCode and Beacon, among other things.

13. in an scenario of tech giants, blue-chips, global solutions and brand solutions

14. Accenture Mobile Wallet platform
http://www.accenture.com/us-en/Pages/service-mobile-wallet.aspx
Accenture Recommendation Engine
http://marketingsoftware.accenture.com/en-
US/Products/Marketing-Software/Software-
Products/Accenture-Recommendation-
Engine.aspx
Accenture Interactive
http://www.accenture.com/us-
en/digital/interactive-marketing/Pages/interactive-
marketing-index.aspx
Accenture Analitics
http://www.accenture.com/us-
en/digital/analytics/Pages/analytics-index.aspx

15. Blue-bird
Bluebird, an app-based debit card and personal finance platform created jointly by Wal-Mart and American Express.
https://play.google.com/store/apps/details?id=com.bluebird.mobile
The Bluebird® Mobile App makes it easy to:
•Add funds to your Account from your bank account or debit card
•Access your Direct Deposit information
•Add offers to your Account and start saving on dining, shopping and more
•Pre-authorize Bluebird checks
•Add checks with your mobile phone
•Check your Available Balance
• View your transaction history
•Pay Bills
•Set funds aside in your SetAside(SM) Account
•Send money to your Sub-Accounts and see their transaction history
•Find the nearest fee-free ATM

16. Mymoid
• All of your means of payment at your fingertips (PayPal, bitcoin accounts, vistural cards, NFC contactless payments and QR)
•MYMOID operates through it´s own Payment Institution, MOBILE GLOBAL PAYMENTS, which is authorized by the bank of Spain and subjected to banking
regulations.
https://www.mymoid.com/static/public/images/mymoid_loop_720p.mp4
• Payment cards
•Bank accounts
•Rewards cards
•Coupons
• Retail stores (Shop at your local store with the
convenience MYMOID offers. Easily and securely
choose the means of payment with which you want to
pay.
•Online stores (When shopping online, click on 'Pay
using MYMOID' and forget about sharing your
personal information with third parties.)
•Bills and invoices (Comfortably pay your bills and
invoices by simply entering the code provided, without
having to worry about hidden fees. You choose how
and when to pay.)
• On your website (MYMOID provides you with a fast and
secure solution that prevents this from happening to your
business. Also, you avoid storing your customers financial
information.
•On your app (ntegrate MYMOID into your app to expedite
your customers´ shopping experience and payment process.
MYMOID´s high usability allows for swift transactions under
the utmost secure environment.)
•At your store (MYMOID adapts to your business needs and
the technology you have available at zero installation cost.
Our business app and a smartphone is all you need. Also,
MYMOID services and solutions can be customized per your
request)

17. Momopocket
https://www.youtube.com/watch?v=On_wPjmngTQ
Momo Pocket, es un monedero electrónico desarrollado por una empresa de Málaga y disponible tanto para Android como para iOS. Para usarlo solo tenemos que
darnos de alta creando nuestra cuenta, instalar la app en nuestro móvil y añadir saldo al monedero con cargo a nuestra cuenta bancaria. Una vez hecho esto ya
podemos utilizar esta app para pagar en aquellos establecimientos que aceptan el pago con Momo Pocket. Su ventaja más llamativa, al margen de lo cómodo que
resulta pagar con el móvil mostrando, sencillamente, un código que puede verse en la pantalla, es que no tiene ningún coste ni para el cliente ni para el comercio.

18. Clashcloud
• Freemium, Freemiun + and Premiun accounts
https://www.cashcloud.com/en/account-types-and-fees.html
• Send and Request Money (after completion of a transaction, you have the opportunity to
share it on your social networks and thus to earn cashcredits. We never post the
recipient's name and the amount, only the action)
• Contactless Payment
• Pay in online shops
• Earn Money With cashcloud ( you have the opportunity to earn cashcredits and therefor
real money (For every invited friend who registers for cashcloud you will receive 100
cashcredits (CCR) and for each shared transaction you get 1 CCR)
• Save Money
• Phone credit recharge

19. BBVA wallet
250,000users*
Cards management, more secure online payments, exclusive promotions and mobile payment
(NFC):
• Balance control and account/ cards movements information
• NFC mobiel payments. If your device is not compatible you can always request an adhesive
card
• Virtual Prepaid Wallet Card to operate online safety
• Top-up form account or card with the exact amount of the item / service to purchase
• The link between cards, bank account and the mobile wallet ensures balance availability
• Enjoy exclusive promotions in the stores associated to the program
• Finance your purchase with your credit card with just two steps
• Localize in the map where the purchases took place
• Receive notification with the detail and localization of the purchases
• BBVA wallet is only available for BBVA customer

20. Kuapay
https://kuapay.com/
Technology GlobalSolutions
Customers
Business
Financial
institutions
SP marketoffer
Payments end to end Security as a concept
Clients
Kuapay’s free mobile app lets you pay for goods and services
at local and online businesses around the world. It’s simple to
use, and security experts have praised us for our customer-
first approach to security that ensures your information is
safe, even if you lose your phone.
• Two easy ways to pay: Scan a QR code or enter an
amount and confirm the bill!
• Select your pump and pay from your phone at gas
stations. No more swiping cards!
• Easily store and use your major-brand loyalty cards.
• Save with digital coupons delivered right to your phone.
• Go green and store receipts in your mobile wallet.
• Instantly disable access to your information if your phone
is lost or stolen.

22. Device compatible
with NFC technology
According to your
carrier a different app.
Cartera NFC (
Movistar), Orange NFC
o Vodafone Wallet
Bank card
downloaded in the
NFC SIM card
SIM card compatible
with NFC technology
Caixa Wallet Alliance: Caixa Wallet
600,000users(*)
La Caixa is at the forefront of the bank services
digitalization in the Spanish market, in fact 600.000
clients are using its mobile wallet. Caixa enables
customers to virtualize all their cards in their
mobile as payment methods in retail stores,
transport and ATM with NFC technology.
1. First Step is to check that we own a
device and SIM both with NFC
technology
2. Next step is to request the service via the
web of the bank . This step means that
card data is stored in the NFC SIM
automatically
3. Caixa Payment system allows transactions
without password up to the limit of 20€ .
Password will be always requested in
ATM machines

23. Caixa Wallet Alliance: Vodafone Wallet
Smartpass is a virtual VISA prepaid
card ( and app) that can be
recharged from any other card or
money transfer to the smartpass
app, this way any device not
compatible with NFC technology
acquires mobile payment features
with a smartpass ticker
Compatible mobile or smartpass
sticker
NFC SIM
Mobile Wallet app
Payments ( Vodafone and La Caixa provides with a
compatible card with mobile card in case any of your cards
are compatible)
Loyalty
Transport ( Valencia and Logorño)
http://www.vodafone.es/particulares/es/descubre-vodafone/wallet/
What do I need? What can I don?

24. Caixa Wallet Alliance: Orange NFC
Select the service Orange NFC Add the service “ La Caixa” Request the Caixa NFC card Install NFC card Valencia Transport

25. Caixa Wallet Alliance: CarteraNFC ( Movistar)
http://nfc.movistar.es/
1. Use your Phone for purchases thanks to NFC technology
2. Credit/debit card issued by your bank and store in you SIM
3. Greater security ( VISA and Mastercard safety standards – associated bank
La Caixa)
4. Proximity payments / contactless technology

26. Wallets Alliance: Iupay
Iupay is a free online e-wallet service that allows you to make more comfortable and secure online payments only by using your Iupay account username and
password, thus avoiding your card data to travel through the internet.
You may now pay with iupay in more than 36000 stores.
Besides purchasing online, iupay offers the possibility of storing in your wallet as many cards as you want, defering payments, obtaining bank financing and consulting
transactions made with your cards from the iupay website.

27. New Models accepted by Banks: Incorporatingonlinebanking as a paymentmethod
Select Trustly
Choose Bank
Use your bank on lien
password and user
Payment confirmation
Select bank account

28.  8 countries, 57 banks, 67 million consumers. One account, one agreement, one integration En
España Banco Santander, Banesto, BBVA, ING Direct, La Caixa, Bankia, Bankinter, Banco Popular,
Banco Pastor, Banco Sabadell)
 Best possible KYC. With our online banking e-payments solution you can see who made the payment
to you. This is very important for everyone that works towards preventing and fighting money
laundering and other illegal activities.
 Authorised by the Financial Services Authority
 Bank level security Cooperation with police authorities
 Simple, avance API
• One API for all banks
• Multiple and partial refunds
• Refunds of any amount
• API for express payouts
• API for exports in JSON and CSV
• Automatic reconciliation•in exchange for marketing support, Trustly offers a
revenue sharing agreement.
•Trustly takes care of everything so that you do not
need to worry about development, maintenance,
sales or merchant integrations.
MFS other Wallets: Incorporatingonlinebanking as a paymentmethod

29. Micropayments

30. MFS: Social Network
El Pago Por Tweet tiene dos vertientes:
monetizar una cuenta de Twitter para
recibir pagos a cambio de twittear
(disponible para usuarios), o promocionar
un producto, servicio o compañía a
través de Twitter pagando para que otros
usuarios twitteen tus mensajes.
Twitter now allows users in France to
tweet payments to others in their social
network. Last week, news leaked out that
Facebook will soon enable payments via
the social network from debit cards.
http://time.com/3506047/twitter-payment-france-
app/
http://www.vogue.co.uk/news/2014/09
/09/twitter-launches-buy-button-with-
burberry
Buy button_ Burberry
http://fashionista.com/2014/09/twitter-
commerce
Enviar dinero por medio de messenger
http://www.actualapp.com/facebook-
permitira-el-envio-de-dinero-traves-de-
messenger-1220
https://twitter.com/andyplace2/status/
518503570950209536/photo/1
http://www.puromarketing.com/42/23543/te
ndencias-marcaran-rumbo-social-media.html
Pagar mediante login social asociado a tarjeta
Send Money
Payments
Monetization
n
http://letstalkpayments.
com/payments-service-
popular-messaging-app-
poised-go-global-soon/
Line Pay

31. Micropayments

32. Micropayments: BBVA Wizzo( for youth)
https://wizzo.es/#registrate
Cards management, more secure online payments, exclusive promotions and
mobile payment (NFC):
• Top-ups: Top-ups with a bank card or ask directly the money to your
parents
• Savings: you decide what for , the frequency of contributions and if you
want someone else to participate. This functionality is part of the
financial educational spirit of the app as it is mainly targeted to youth
• Purchases: You have your own card to:
• Buy online in iTunes or Spotofy
• Have available and Sticker or even your own card
• Send or Request money

33. Micropayments: YAAP
Select the offers you have around you from your Smartphone. Enjoy
discounts and gifts to reward your loyalty with your card registered
in YAAP shopping. Buy online and can pick up in store by only
showing your card without papers or coupons.
Send and receive money with any of your contacts, from you
contact list or Facebook and Twitter.
YAAP is a digital company recently set-up with the mission of generating new business and services to make more comfortable life through technology. The pillars
of the company are innovation, universality, technology and international vocation

34. Micropayments / transfers: worldremit
How it works?
Receive:
• Bank account
• Cash
• Mobile balance
• Airtime top-ups
https://www.worldremit.com/es

35. May 2014 https://about.me/EDUARDOLFP
Appendix: Online Payment Methods trends for better experiences
Mastercard

36. Mobile Money: Card Network
• The ecosystem for credit- and debit-card processing involves a complicated set of players
interacting to process every transaction. Five types of players are involved:
acquirers/processors, issuers, card networks, gateway providers, and independent sales
organizations (ISOs).
• To process a typical transaction, three steps must occur: authorizing, batching, and
funding. Each participant in this process takes a fee off of the total volume of a
transaction. The remainder is deposited in a merchant's account.
• Three trends will shape the payment-card-processing ecosystem from 2015 onward: the
EMV security migration, rapid development of new payment technologies, and the
massive card-fraud problem in the US. While none of these developments will completely
upend the incumbent system for processing payments, each will disrupt key players.
• While the payment-card-processing system as a whole isn't in danger, the proliferation of
mobile devices will have a significant effect on the way we pay.

37. MFS: Mastercard
http://www.ma
stercard.us/get-
a-prepaid-
card.html
Core Payments Services_
ContactlesS Mobile PayPass
Mobile Value Added Services_
Alerts, Apps, Mobile offers and coupons
New Mobile Payment Services
Remote Payments, Mobile Top up,P2P / remitance
 MasterCard is a technology company and payments industry leader. Mastercard does not issue cards but develops advanced
payment solution and seamlessly processes billions of transactions around the world thanks to its payment networks
PayPass
Secure Code
Card Security
Business Controller
Card Benefits
Zero Liablilities
Fleet Solutions
Prepaid
Advisor merchant solutions
Assistance
Financial education
Insights
marketing
Payment Gateway
Tax Payments
Travel assistance and insurance
Savings & Discounts
Marca de aceptación
de pagos digitales
Huella digital tarjetas

38. MFS: Mastercard an Overviewof Mastercard Mobile Momentun

39. 39
MFS: Mastercard
•Payment Porducts and Solutions
•Payment Proeessing
•Mastercard Advisor
•Mastercard Business Solution
•Insights
•Security and Fraud management
•Sponsorships
•Understanding Interchange
•Value Across the Payment chain
•Mastercard Rules
•Mastercard Connect
•MasterCard Marketing Center
•E-learning on Rules Compliance
Changeback
•MASTERCARD® CONTACTLESS
MasterCard contactless is a fast payment method
that lets you pay at checkout with just a tap of
your MasterCard card or device. Just tap & go™
•SECURECODE®
SecureCode is a private code that provides
added protection for online shopping. Your
transactions get independent approval every
time.
•CARD SECURITY
MasterCard operates a sophisticated, multilevel
fraud monitoring system to protect cardholders
from data compromise and fraud.
•MASTERPASS
A fast and safe way to checkout online, with
confidence.
•CARD BENEFITS
As a MasterCard cardholder, you can have
peace of mind knowing your personal credit or
debit card comes with benefits that save you time
and money.
•TAX PAYMENTS
You can get more options and flexibility at tax
time when you use your MasterCard credit card to
pay federal and certain state income taxes online
or by phone.
•MASTERCARD® CHIP
A new way to pay
•Mastercard credit card
•Mastercard debit card
•Mastercard Prepaid card
Whatwe do
Our Products
Features Services
•FIND A CREDIT CARD
Get the credit card that is right for you.
•CARD BENEFITS
Valuable peace of mind protection,
assistance, and savings
•FIND AN ATM
Search more than 1,000,000 ATM locations
worldwide
•RELOAD WITH REPOWER
Add cash to your Prepaid MasterCard card
•REPORT A LOST OR STOLEN CARD
We're ready to help if you've lost of if
someone has stolen your credit card or
debit card. Anytime. Anywhere
•MOBILE APPS
Enjoy life on the g
•PLAN YOUR NEXT ESCAPE
Discover a convenient way to book hotels,
flights and car rentals online with
MasterCard Travel Services. Sit back, relax,
and start planning your journey
•FINANCIAL EDUCATION
•ADDS AND OFFERS
Clients
•Consumers
•Small Business
•Mid-size
companies
•Corporations
•Public Sector
•Merchants
•Issuers

40. MFS: Mastercard Mobile
Core Payments Services Mobile Value Added Services New Mobile Payment Services
Contactless
Mobile PayPass
Proven Products and capabilities
that add new utility to traditional
payment channels
MOTAPS
Over the air provisioning service
for instant issuance and control
single connection enabling you
provision all your financial
application
MAPPING SERVICE
Instantly issue Paypass cards to
phones, associating them to an
existing consumer card
MOBILE TAGS
An easy and convenience way
to roll out PayPAss capabilities to
the phone with Pay Pass TAGS
Alerts, Apps, Mobile offers and
coupons
Utiliza mobile´s flexibility and
immediacy to add supplemental
value to core solutions
LOCATION SERVICES
Phone application for ATM
locators an offers based on your
location
MOBILE CAP
Reception of a dynamic CAP
token based on either two factor
authentication
MOBILE OFFERS
Phone Application providing
information on offers based on
location
Remote Payments, Mobile Top
up,P2P / remitance
Utilizing the mobile platform to
deliver convenience and control
MASTERCARD MPG
A turnkey mobile payment
processing platform that allows
issuers, acquirers, merchants and
mobile network operators to
quickly and cost-effectively
provide customize mobile
solutions
MONEY SEND
Person-to-Person transfers enable
consumers to send money to
each other by simply entering
the recipients Mobile phone
numbers
MASTERCARD NEARBY
The MasterCard Nearby mobile app gets you access to
your money faster, safer and smarter than ever before
GOOGLE WALLET
Introducing Google Wallet, the Android app that makes your phone
your wallet. All you have to do is Tap & Go at hundreds of thousands
of MasterCard Contactless acceptance locations.
MASTERCARD EASY SAVINGS
MasterCard small business cardholders using an
eligible card, can save every day on qualified
purchases, whenever they're on the go. The app is
location enabled, so it maps your current location and
shows participating merchants in your area.
MASTERCARD CONCIERGE
The MasterCard Concierge app is your personal
concierge on the go and while you are traveling.
Exclusively for U.S. MasterCard World and
World Elite cardholders
PAYPASS® LOCATOR
Use the PayPass Locator Android app to find merchants
who accept PayPass around the world
If you use MasterCard Business Network, then this
companion application is for you! Make your travels
easier by having all your trip information at your
fingertips. The MasterCard Business Network mobile
application keeps track of everything you book through
the desktop application, ensuring you are informed,
organized, and connected while traveling
ATM HUNTER
This MasterCard mobile business app makes it fast and
easy to find the closest ATM, no matter where you are
in the world.
MasterCard® with Apple Pay.™
Now you can use your MasterCard with Apple Pay on iPhone® 6 and
iPhone 6 Plus at over 220,000 participating merchants and within apps
at the App Store with a single touch. It is a revolutionary way to pay

41. 41
MFS: MasterPass, marca de aceptación de pagos digitales ( no cartera virtual)
Compras sencillas y seguras en cualquier momento y en cualquier dispositivo conectado con
MasterPass™ de MasterCard®.
PARA TODOS
MasterPass es una cartera digital simple,
práctica y fiable para realizar compras
más rápidas y seguras en miles de
comercios en línea.
SENCILLO
Ahórrese las molestias, e incluso los
errores tipográficos, de tener que
aportar todos sus datos cada vez que
realiza una compra.
FIABLE
Compre con MasterPass™ y la potente
seguridad multinivel de MasterCard.
PRACTICO
Ahórrese las molestias, e incluso los
errores tipográficos, de tener que
aportar todos sus datos cada vez que
realiza una compra.
COMERCIANTES
Avanzar en el futuro de su negocio con
un servicio digital simple, conveniente y
confiable de su compañero.
MasterCard
SIMPLE
Simplifique el pago y reduzca los
abandonos del carro de la compra.
Los clientes disfrutarán de compras
sin esfuerzo en tod momento.
Simplifique el pago y reduzca los
abandonos del carro de la compra.
Los clientes disfrutarán de compras sin
esfuerzo en todo momento. Un único
botón significa millones de clientes
potenciales para usted, ya sea
comprando desde casa o en el
exterior.?
PRACTICO
Los clientes pagan desde cualquier
dispositivo. Escritorio, tableta y móvil.
SIMPLE
Publique rápidamente una cartera
MasterPass™ con su nombre.
SIMPLE
Publique rápidamente una cartera
MasterPass™ con su nombre.Cuente
con el apoyo y valor añadido de los
servicios de MasterCard, que incluyen
detección de fraude, autenticación y
más.
PRACTICO
Disfrute de la flexibilidad de las API de
MasterPass™ para integrar fácilmente
su cartera en la Red de aceptación
de MasterPass
SOCIOS
Amplíe su oferta y abrace el futuro de
los pagos digitales con una solución
MasterPass™ adecuada para usted.
FIABILIDAD