Integrating with Mastercard and Visa is not a single API call; it is a certification process the scheme runs against the institution operating the platform, covering issuing, acquiring, and tokenisation depending on what the institution offers. We build the technical integration and support the institution through that certification process.
This work is scheme-specific and detail-heavy: message formats, tokenisation flows and the specific test cases each network requires before granting production access.
What We Offer
Issuing integration
Card issuing flows including provisioning, authorisation and lifecycle management for institutions issuing Mastercard or Visa cards.
Acquiring integration
Merchant acquiring connectivity for institutions processing card payments on the acceptance side.
Tokenisation: MDES and VTS
Mastercard Digital Enablement Service and Visa Token Service integration for tokenised card credentials in digital wallets and card-on-file scenarios.
Certification support
Preparing the technical documentation and test evidence the scheme requires, and supporting the institution through its own certification process.
How We Help
Scheme certification fails most often on detail: a message field formatted slightly wrong, a test case the integration was not built to handle, a tokenisation flow that works for the common path but not the specific edge case the scheme tests for. We build against the scheme’s actual specification and test cases, not a simplified interpretation of them.
We are precise about who holds what here. Scheme certification is issued to the institution operating the platform, not to us as the development vendor. Our role is building the integration correctly and supporting the institution’s own certification process, and we do not represent that differently.
Our Approach
We work from the scheme’s current technical specification rather than a prior integration, since Mastercard and Visa update requirements and a stale reference is a common source of certification failures.
Test cases are run against the scheme’s own certification suite before submission, so issues surface internally rather than during the formal certification cycle.
Technologies We Use
Industries We Support
Related case studies
- Card Payment Switch Engineered for Scheme Certification: A card authorisation and settlement switch built for scheme certification, with idempotency and continuous reconciliation designed in rather than added.
- RAAST-Enabled Digital Wallet Built for Unreliable Networks: A consumer wallet with RAAST instant payments, where settlement finality and offline conflict resolution were design decisions rather than late discoveries.