Overview

We offer an integration with Mastercard Identity (also known as Ekata) for customers seeking deeper insights into their end users' identities. A leader in global identity data and insights, Mastercard Identity helps companies combat fraud, enhance conversions, and reduce friction.

With Mastercard Identity, companies can access low-friction signals - based on name, phone, address, email, and/or IP address - enabling them to identify risky users before requiring additional verification through Persona.

Benefits (by Industry)

While there a variety of ways in which a business can leverage this integration, below are example use cases and benefits that businesses operating in the fintech or e-commerce space may find valuable.

Fintech

• A fintech company issuing cards need to onboard many new users. However, excessive friction during verification can result in customer drop-off. Using our joint solution, a company can apply step-up verification when necessary - providing low-risk users with a seamless verification and prompting higher-risk users to provide additional information.

E-commerce

• An e-commerce marketplace facilitates transactions between third-party sellers and buyers. While reducing friction is important for sellers, preventing counterfeit goods is a priority. By leveraging our solution, the platform ensures legitimate sellers enjoy a smooth onboarding, while potential fraudsters are flagged early for further scrutiny.

Integration Features

The Mastercard Identity integration provides three types of scores:

• Identity Risk Scores: These scores validate who the customer is and how their information is being used in digital interactions. The scores range from 0-500
• Network Scores: These scores assess how identity information is being used in digital interactions. The score(s) range from 0 to 1.
• IP Risk Score: These scores predict the riskiness of an IP address using IP metadata and information on how the IP is being used in digital interactions. The score(s) range from 0 to 1.

Account Opening API

Mastercard’s Account Opening API returns over 20 highly predictive scores from their Identity Graph and Identity Network.

An example of how scores from Mastercard’s Account Opening API look within the Persona Dashboard.

Setting up the Mastercard integration

Prerequisites

To use this integration, you must have a contract with Mastercard. If you do not have one, contact your account team for an introduction to the Mastercard’s team.

Setting up the Mastercard credentials

1. In the Persona Dashboard, navigate to Integrations > Click on Mastercard Identity
2. Click on Add Credential at the top of the page
3. Select between Account Opening API Key Account Opening API Key, Phone Intelligence API Key, or Address Risk API Key
4. Add the credentials for your desired product then hit Create

Using the Mastercard integration in a workflow

Given the nature of the Mastercard integration, customers typically call the Mastercard scores first and then step up to additional verification based on the result.

1. Create a new workflow, or open an existing workflow you’d like to update
2. Add a new action step
3. Go to Marketplace → Mastercard Identity → Select either Account Opening Risk Assessment, Phone Intelligence, or Address Risk workflow step
4. Select the API credentials you want to use
5. Configure the input fields to pass in the correct information. Account Signup ID is how Mastercard defines unique users so we recommend mapping that to the account ID or reference ID.
6. Save/publish the workflow

Mastercard Identity integration access by plan