MasterCard 2009 Annual Report Download - page 22

used to obtain cash in bank branches or at ATMs. In addition, MasterCard and Maestro-branded debit cards may
be used to make purchases at the point of sale. Debit products we offer include Maestro and Gold Maestro, as
well as Standard, Gold, Platinum, Premium and World Debit MasterCard products.
•MasterCard-branded Debit Card Programs. For the year ended December 31, 2009, our MasterCard-
branded debit programs generated approximately $814 billion in GDV globally, representing 33% of
our total GDV for such year. As of December 31, 2009, the MasterCard brand mark appeared on
approximately 262 million debit cards worldwide, representing 17.0% growth from December 31, 2008.
MasterCard-branded debit programs issue cards which include functionality for both signature and PIN
authenticated transactions, giving consumers a choice at the point of sale. MasterCard-branded debit
card programs are offered in the United States, and are also increasingly being introduced in Europe,
Asia Pacific and Latin America as a complement to existing Maestro-branded debit programs.
•Maestro-branded Debit Card Programs. Maestro is our global online debit program. As of
December 31, 2009, the Maestro brand mark appeared on approximately 659 million cards worldwide,
representing 2.0% growth from December 31, 2008. As of December 31, 2009, Maestro was accepted
for purchases at more than 12.1 million merchant locations globally. Our Maestro brand has a leading
position among online debit brands in many markets throughout the world, particularly in Europe. The
strong presence of Maestro in Europe positions us well as the SEPA initiative creates a more open and
competitive payment market in many European countries that were previously mandated to process
domestic debit transactions with domestic processors. The global acceptance of Maestro contributes to
the growth of our debit business and adds value to the services that we provide to our customers.
•MasterCard Global ATM Solutions. Any debit, credit or ATM accessible prepaid card bearing the
MasterCard, Maestro or Cirrus logos had access to cash and account information at approximately
1.7 million participating ATMs around the world as of December 31, 2009. MasterCard Global ATM
Solutions provides domestic (in-country) and cross-border access to cards allowing for varied types of
transactions, including cash withdrawal (deposit accounts), cash advance (credit accounts), cash
drawdown (prepaid accounts), balance inquiries, account transfers and deposits at ATMs in the
MasterCard Worldwide Network.
Prepaid Programs. Prepaid (“pay before”) programs involve a balance that is funded with monetary value
prior to use. Holders access funds via a traditional magnetic stripe or chip-enabled payment card. MasterCard
customers may implement prepaid payment programs using any of our brands. MasterCard provides processing
services (including transaction switching) in support of either magnetic stripe or chip-enabled prepaid card
programs. MasterCard has capabilities to provide and customize programs to meet unique commercial and
consumer needs in all prepaid segments, including programs such as gift, employee benefit, general purpose,
payroll, travel, incentive and government disbursement programs. In particular, our strategy focuses on the top
three spend categories: public sector, corporate (programs targeted to achieve to achieve cost savings and
efficiencies by moving traditional paper disbursement methods to electronic solutions) and consumer reloadable
(programs designed to provide access to underserved individuals who are not traditional users of credit or debit
cards).
Commercial Payment Solutions. MasterCard offers commercial payment solutions that help large
corporations, mid-sized companies, small businesses and public sector organizations to streamline their payment
processes, manage information and reduce administrative costs. In the year ended December 31, 2009, our
commercial credit and charge programs generated approximately $192 billion in GDV globally, representing
approximately 8% of our total GDV for this period. As of December 31, 2009, the MasterCard-branded mark
appeared on approximately 29 million commercial credit and charge cards worldwide, representing a 6.2%
decline from December 31, 2008. We offer various corporate payment products, including corporate cards,
corporate premium cards, corporate purchasing cards and fleet cards (as well as the MasterCard Corporate Multi
Card®, which combines the functionality of one or more of these cards) that allow corporations to manage travel
and entertainment expenses and provide corporations with additional transactional detail. We also offer public
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