Mastercard Gateway API

The Mastercard Payment Gateway provides a robust, developer-friendly REST API for integrating payment processing into applications. It supports a wide range of payment methods, currencies, and transaction types for merchants and payment service providers.

Mastercard Gateway API publishes 2 API contracts indexed on the APIs.io network, including Merchant API, and 1 more. Tagged areas include Credit Cards, Gateways, Payment Processing, and Payments.

Mastercard Gateway API’s developer surface includes authentication, developer portal, signup flow, support, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.5/100 thin ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract

Credit Cards Gateways Payment Processing Payments

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 34.5/100 · thin

Contract Quality 8.5 / 19

Developer Ergonomics 5.7 / 15

Access Clarity 3.8 / 15

Operational Transparency 2.6 / 10

Contract Governance 0.0 / 9

Discoverability 4.8 / 8

Regulatory Posture 2.1 / 15

Create-or-Update Ergonomics 2.2 / 10

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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<a href="https://apis.io/providers/mastercard-gateway-api/"><img src="https://apis.io/badge/mastercard-gateway-api/card.svg" alt="Mastercard Gateway API on APIs.io — Kin Score by API Evangelist"></a>

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Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/mastercard-gateway-api: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Mastercard Gateway API

The Mastercard Payment Gateway API provides a comprehensive interface for integrating payments into applications, supporting multiple payment methods, currencies, and transactio...

Mastercard Gateway API Merchant API

The Merchant API from Mastercard Gateway API — 10 operation(s) for merchant.

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Mastercard Payment Gateway REST Merchant API

OPEN COLLECTION

Mastercard Payment Gateway REST API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Mastercard Gateway Api Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Mastercard Gateway Api Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Mastercard Gateway Api Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Mastercard Gateway Api Authentication

http/mutualTLS · 2 schemes

SECURITY

Mastercard Gateway Api Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Mastercard Gateway Api Agentic Access

14 operations · 9 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

Signup

Signup

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: mastercard-gateway-api
name: Mastercard Gateway API
description: The Mastercard Payment Gateway provides a robust, developer-friendly REST API for integrating payment processing
  into applications. It supports a wide range of payment methods, currencies, and transaction types for merchants and payment
  service providers.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mastercard-gateway-api.png
url: https://raw.githubusercontent.com/api-evangelist/mastercard-gateway-api/refs/heads/main/apis.yml
tags:
- Credit Cards
- Gateways
- Payment Processing
- Payments
tags_raw:
- Credit Cards
- Gateway
- Payment Processing
- Payments
created: '2024-11-28'
modified: '2026-09-16'
specificationVersion: '0.23'
apis:
- aid: mastercard-gateway-api:mastercard-gateway-api
  name: Mastercard Gateway API
  tags:
  - Gateways
  - Payments
  tags_raw:
  - Gateway
  - Payments
  humanURL: https://ap-gateway.mastercard.com/api/documentation/apiDocumentation/index.html
  baseURL: https://ap-gateway.mastercard.com/api
  properties:
  - url: https://ap-gateway.mastercard.com/api/documentation/apiDocumentation/index.html
    type: Documentation
  - type: Authentication
    url: https://ap-gateway.mastercard.com/api/documentation/integrationGuidelines/supportedFeatures/pickAuthenticationMethod.html
  - type: Versioning
    url: https://ap-gateway.mastercard.com/api/documentation/integrationGuidelines/versioning.html
  - type: SDKs
    url: https://ap-gateway.mastercard.com/api/documentation/downloads.html
  - type: APIReference
    url: https://ap-gateway.mastercard.com/api/documentation/apiDocumentation/rest-json/version/latest/api.html
  description: The Mastercard Payment Gateway API provides a comprehensive interface for integrating payments into applications,
    supporting multiple payment methods, currencies, and transaction types for merchants worldwide.
- aid: mastercard-gateway-api:mastercard-gateway-api-merchant-api
  name: Mastercard Gateway API Merchant API
  description: The Merchant API from Mastercard Gateway API — 10 operation(s) for merchant.
  humanURL: https://ap-gateway.mastercard.com/api/documentation/apiDocumentation/index.html
  baseURL: https://ap-gateway.mastercard.com/api
  tags:
  - Merchants
  tags_raw:
  - Merchant
  properties:
  - type: OpenAPI
    url: openapi/mastercard-gateway-api-merchant-api-openapi.yml
common:
- type: Plans
  url: plans/mastercard-gateway-api-plans-pricing.yml
- type: RateLimits
  url: rate-limits/mastercard-gateway-api-rate-limits.yml
- type: FinOps
  url: finops/mastercard-gateway-api-finops.yml
- type: Website
  url: https://mastercard.com
- type: AgenticAccess
  url: agentic-access/mastercard-gateway-api-agentic-access.yml
- type: DomainSecurity
  url: security/mastercard-gateway-api-domain-security.yml
- type: Authentication
  url: authentication/mastercard-gateway-api-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Mastercard-Gateway
- type: LinkedIn
  url: https://www.linkedin.com/showcase/mastercardgateway
- type: Portal
  url: https://developer.mastercard.com/
- type: Signup
  url: https://developer.mastercard.com/account/sign-up
- type: Login
  url: https://developer.mastercard.com/account/log-in
- type: Support
  url: https://developer.mastercard.com/support
- type: TermsOfService
  url: https://developer.mastercard.com/terms-of-use
- type: LlmsText
  url: https://developer.mastercard.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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