
Top-up payments
Build simpler, smarter and trusted payment experiences
Open banking transforms payment experiences, enabling instant funding into the chosen account — cutting down waiting times from days to seconds — so your customers can access your service faster than ever. With Mastercard as your trusted innovation partner, you can offer more payment choice to your customers and provide a seamless experience — increasing conversion and profitability to support your business growth.
Features
Mastercard Open Banking Solutions support your business to initiate payments through a simple, secure payment API, bringing increased payment options for you and your customers, all through a single interface

Fast, frictionless top-up payments
- Our solution allows your users to top up their account directly in your environment using our streamlined payment experience to increase conversion.
- Instant confirmation that your account has been funded.
Seamless experience through a single API
- One simple API integration to connect to thousands of banks and multiple payment rails.
- No need to worry about defining separate APIs for separate payment rails, such as instant payments, SEPA or domestic schemes. With Mastercard’s Open Banking Solutions, everything is possible through a single, secure connection.*
*Capabilities vary depending on open banking product.


Protect your revenue
- Open banking is a cost-effective solution with a fixed fee per transaction.
Mastercard Open Banking Solutions enables your customers to instantly fund their account in seconds with a service they can trust, for a whole host of top-up payment use cases:
Digital wallet
Investment account
Pension fund
Savings account
Gaming account
Credit card bill payments
Explore the key benefits
Boost conversion
- Faster funding with full payment transparency allows users to top up in a few clicks and authenticate without the need for long forms or manual data entry.
- Give users access to a seamless payment experience directly embedded into your payment flow.
Operational efficiencies
- Easy onboarding through a simple API integration into your existing platform.
- Increase conversion rates through a simple API integration and offer your users an easy-to-use, easy to understand payment experience they can trust.
- Removes the risk of human error, as no payment details need to be manually entered by the payee.
Cost-effective solution
- Top-up payments offer fixed-fee structures.
Expansion opportunities
- With Mastercard’s global data and payments network and bespoke consulting services, partnering with us makes it easy for you to scale your business with confidence.
Try our demo
Take our top-up payments demo for a spin and see how seamless it is to top up accounts online with open banking
