Mastercard Real-Time Transactions

Mastercard Real-Time Transactions allow users to connect their eligible Mastercard cards directly in the mobile app, enabling real-time updates for transactions made on the card. The solution is built for employees, administrators, and partners who want a faster, more flexible, and paper-free way to handle their expenses.

Key benefits include:

• Instant card connection (no paperwork or manual approval); the user is responsible for linking and connecting the card directly in the app.
• Real-time push notifications for each transaction.
• Simplified expense management through "click-and-create expenses" with receipts.
• Verified transaction data for administrators and approvers.
• Automatic exchange rates for international purchases.

Eligible Mastercard Cards:

✅ Personal credit cards (note: personal debit cards are not supported)

✅ All types of company cards (credit and debit cards)

❌ Eurocard and SEB cards are not supported under this Mastercard integration but are supported via Findity's direct integrations.

Geographies where real-time support is available (based on issuing region):

• European Union
• Norway
• Switzerland
• United Kingdom
• Canada

How It Works (Step-by-Step)

• Connecting a card: Users connect their Mastercard directly in the mobile app via a simple flow that includes 3DS verification during onboarding. No paper forms are needed.
• Card type detection: The app automatically detects whether the card is personal or a company card.
• Personal cards: The user decides which purchases to submit as expenses. A transaction triggers a push notification → tap to create expense → upload receipt → done.
• Company cards: Every transaction triggers a push notification and creates an expense → upload receipt → done.
• For administrators: Verified transactions appear in the system for better control and accountability.

Frequently Asked Questions

What if the card fails to connect?

• Make sure that internet purchases are enabled on your card.
• Personal debit Mastercards are not supported.
• SEB and Eurocard are not supported via this integration but can be connected by the administrator via our direct integrations with these issuing banks.

Why didn't I receive a transaction notification?

• One reason for not seeing the purchase in real-time could be that the terminal was offline.

Which card types are not supported?

• Personal debit cards

Can I connect more than one card?

• Yes, you are allowed to connect up to two cards per user.

Is my transaction data private?

• Yes, transaction data is only visible to the cardholder. We will not share it with your organization. Only expenses that are based on a transaction and submitted will be visible to relevant users, such as managers, approvers, and administrators.

How do I confirm if a card was successfully connected?

• The user will be notified directly when enrolling their card once it is successfully connected.

For Help and Support

• Firstly, contact an administrator within your organization.
• For further assistance, contact our customer support at support@findity.com.