Mastercard

2026-10-28 14:44

Mastercard is a leading global card organization with a significant presence in the European co-branded credit card market. It also holds a dominant position in numerous national markets, including Austria, Brazil, Canada, Colombia, Benelux, Germany, Hungary, and Venezuela.

Properties

The payment properties of Mastercard are shown in the following table:

Availability	Acquirer	AntomSG	AntomHK	AntomEU	AntomUK	AntomUS	AntomJP	2C2P HK	2C2P SG
	Merchant entity location	SG, HK	HK	EEA	UK	US	JP	HK	SG
	Buyer country/region	Global	Global	Global	Global	Global	Global	Global	Global
Product features	Payment type	Card	Card	Card	Card	Card	Card	Card	Card
	Card brand	Mastercard	Mastercard	Mastercard	Mastercard	Mastercard	Mastercard	Mastercard	Mastercard
	Card type	No limit	No limit	No limit	No limit	No limit	No limit	No limit	No limit
	Processing currency	See the Processing currency for AntomSG table	See the Processing currency for AntomHK table	EUR, PLN, CHF, USD, GBP, HKD, SGD, JPY, AUD, CAD, NZD	EUR, GBP, USD, HKD, SGD, JPY, AUD, CAD, NZD, CHF, PLN, CZK, AED, DKK, SEK	USD	JPY	See the Processing currency for 2C2P HK table	See the Processing currency for 2C2P SG table
Other	3D	✔️	✔️	✔️	✔️	✔️	✔️	✔️	✔️
	Authorization validity period	7 days. To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.					7 days.[1] To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.	7 days. To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.
	Minimum payment amount	0.01 USD or equivalent in local currency (subject to exchange-rate fluctuations)				0.01 USD or equivalent in local currency (subject to exchange-rate fluctuations)	0.01 USD or equivalent in local currency (subject to exchange-rate fluctuations)	0.01 USD or equivalent in local currency (subject to exchange-rate fluctuations)
	Maximum payment amount	Unlimited				9,999,999.99 USD	Unlimited	499,999 USD or equal amounts
	Recurring payments (MIT)	✔️	✔️	✔️	✔️	✔️	❌	❌	❌
	Partial capture	✔️	✔️	✔️	✔️	✔️	✔️[2]	✔️	✔️
	Refund	✔️	✔️	✔️	✔️	✔️	✔️	✔️	✔️
	Partial refund	✔️	✔️	✔️	✔️	✔️	✔️[3]	✔️	✔️
	Chargeback/Dispute	✔️	✔️	✔️	✔️	✔️	✔️	✔️	✔️
	Refund period	365 days	365 days	365 days	365 days	365 days	365 days	365 days	365 days
	Advanced AVS check	✔️	✔️	✔️	✔️	✔️	❌	❌	❌
	Supported plugins	✔️ WooCommerce ✔️ Shopify			None	None	None	None	None

[1] Typically 7 days. If conditions are met, the maximum period can be up to 30 days. [2] Each transaction can be captured only once. [3] In certain scenarios, partial refund is conditional and requires additional approval to be enabled.

Installment

The installment properties of Mastercard are shown in the following table:

Availability	Acquirer	AntomUS	AntomJP
	Merchant entity location	US	JP
	Buyer country/region	Global	Global
Product features	Payment type	Card	Card
	Card brand	Visa, Mastercard, Discover	Visa, Mastercard, JCB, American Express
	Card type	Credit card	Credit card
	Processing currency	USD	JPY
	Default timeout	14 minutes	14 minutes
Other	3D	✔️	✔️
	Authorization validity period	365 days. To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.	7 days.[1] To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.
	Minimum payment amount	1 USD	1 JPY
	Maximum payment amount	50,000 USD	Unlimited
	Recurring payments (MIT)	✔️	❌
	Partial captures	❌	✔️[2]
	Refund	✔️	✔️
	Partial refunds	✔️	✔️[3]
	Refund period	365 days	365 days
	Chargeback/Dispute	✔️	✔️
	Advanced AVS check	❌	❌
	Installment	✔️	✔️
	Installment interest payer	Merchants (Merchant-imply in Merchant Discount Rate)	Users
	Interest free plan	✔️	❌
	Installment amount limitation	Amount ≥ 1 USD	Depends on the issuing bank's rules
	Installment supported plan	3, 6, 9, and 12 months.	The standard number of installments are: 3, 5, 6, 10, 12, 15, 18, 20, and 24 months.

Processing currency for AntomSG

AED, AFN, ALL, AMD, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HTG, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRU, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SOS, SRD, STN, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VND, VUV, WST, XAF, XCD, XOF, XPF, ZAR, ZMW

Processing currency for AntomHK

Processing currency for 2C2P HK

Processing currency	Acquiring bank of the card
HKD, USD, GBP, EUR, JPY, SGD, MOP	AEON
AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYN, BZD, CAD, CDF, CHF, CLF, CLP, CNY, COP, CRC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EEK, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LKR, LRD, LSL, LTL, LVL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGNvNIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLE, SOS, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND,TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR, ZMW	Checkout

Note: If the merchant's total payment volume exceeds 1 million USD per card association/acquiring bank of the card, the merchant must sign a tri-party agreement with 2C2P HK and the acquiring bank of the card.

Processing currency for 2C2P SG

Processing currency	Acquiring bank of the card
AUD, CAD, CHF, CNY, EUR, GBP, HKD, IDR, INR, JPY, KRW, LKR, MOP, MYR, NZD, PHP, SGD, THB, TWD, VND	UOB
AUD, CAD, CHF, CNY, EUR, GBP, HKD, IDR, INR, JPY, KRW, LKR, MOP, MYR, NZD, PHP, SGD, THB, TWD, USD, VND	UOB
HKD	UOB
AUD	MayBank
CAD	MayBank
EUR	MayBank
GBP	MayBank
HKD	MayBank
NZD	MayBank
SGD	MayBank
USD	MayBank

Note: Acquiring banks support different currencies. 2C2P recommends acquiring banks to the merchant according to the merchant's needs. Each merchant in Singapore must sign the tri-party agreement with 2C2P SG and the acquiring bank.

User experience

This section shows the user experience of Mastercard in different scenarios:

API-only integration

This section shows the difference in user experience between those PCI and non-PCI qualified under the API integration.

PCI qualified

This section shows the difference between the first-time and subsequent payments under the PCI qualified.

First-time payment

This section shows the difference between Web and App when making the first-time payment under the PCI qualified.

Web

App

Subsequent payments

This section shows the difference between Web and App when making the subsequent payments under the PCI qualified.

Web

App

Non-PCI qualified

This section shows the difference between the first-time and subsequent payments under the non-PCI qualified.

First-time payment

This section shows the difference between Web and App when making the first-time payment under the non-PCI qualified.

Web

App

Subsequent payments

This section shows the difference between Web and App when making the subsequent payments under the non-PCI qualified.

Web

App

SDK integration

This section shows the difference between the first-time and subsequent payments under the SDK integration.

First-time payment

This section shows the difference between Web and App when making the first-time payment under the SDK integration.

Web

App

Subsequent payments

This section shows the difference between Web and App when making the subsequent payments under the SDK integration.

Web

App

Installment

The section shows the installment payment process:

Web

App

The buyer selects a card payment method on the merchant checkout page.
The buyer enters their card details on the secure payment page powered by Antom.
The buyer selects an available installment option before completing the payment.
The buyer confirms the payment. Note that the first installment is charged to the card, and the remaining installments will be collected directly from the buyer according to the selected installment plan.
After the payment is completed, the merchant receives the full order amount. The buyer is redirected to the merchant result page.

Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

Supported online payments	Supported integrations
One-time Payments	✔️ Hosted API-only ✔️ Server-to-server API-only ✔️ Hosted Checkout Page ✔️ Embedded Checkout Page ✔️ Web Element ✔️ Mobile Element ✔️ Payment links[1]
Tokenized Payment	❌
Subscription Payment	For Acquirer AntomSG, AntomHK, and AntomUS: ✔️ Hosted API-only ✔️ Server-to-server API-only ✔️ Hosted Checkout Page ✔️ Embedded Checkout Page ✔️ Web Element ✔️ Mobile Element
EasySafePay	❌
Scan to Link	❌

[1] Payment links does not support installments.

Integration considerations

Installments are supported under AntomUS and AntomJP. For integration details, refer to Installment payments.