MasterCard 2012 Annual Report Download - page 14

Acceptance
As of December 31, 2012, cards carrying the MasterCard logo were accepted at 35.9 million acceptance
locations worldwide, including 2.1 million ATMs and 0.6 million other locations where cash may be obtained.
Information on ATM and manual cash access locations is reported by our customers and is partly based on
publicly available reports of payments industry associations, government agencies and independent market
analysts. Cards bearing the Maestro or Cirrus logos are accepted at many of these same locations.
We seek to maintain unsurpassed acceptance of MasterCard-branded programs by:
•Increasing the categories of merchants that accept products carrying our brands—In addition to
expanding acceptance in e-commerce and mobile commerce environments, we leverage the
functionality of the MasterCard Worldwide Network to expand acceptance in quick service businesses
(such as fast food restaurants) and transportation (such as commuter train systems, buses and taxis)
using our contactless technology, as well as public sector payments (such as those involving taxes, fees,
fines and tolls), among other categories.
•Increasing the number of payment channels in which MasterCard programs are accepted—We continue
to introduce MasterCard acceptance in connection with bill payment. We are working with customers to
encourage consumers to make bill payments in a variety of categories including rent, utilities and
insurance with their MasterCard products.
•Increasing the number of small merchants and merchants in established accepting categories who have
not historically accepted MasterCard products—We enable parties like Square, iZettle, Intuit and others
to provide acceptance to smaller merchants through connected devices (such as card readers), displacing
cash. Our Payment Facilitator Program was specifically designed to enable such parties.
•Increasing usage of our programs at selected merchants—We sponsor a wide range of promotional
programs on a global basis. We also enter into arrangements with selected merchants under which these
merchants receive performance incentives for the increased use of MasterCard programs or indicating a
preference for MasterCard-branded programs when accepting payments from consumers.
MasterCard Programs and Solutions
Our principal payment programs and solutions, which are facilitated through our brands, include consumer
credit and charge, debit, prepaid and commercial programs and solutions and emerging payments solutions
(including digital and mobile money platforms). Our issuer customers determine the competitive features for the
cards and other products issued under our programs, including interest rates and fees. We determine other aspects
of our programs, such as required services and the marketing strategy, in order to help ensure consistency.
Consumer Credit and Charge. We offer a number of consumer credit and charge programs that are
designed to meet the needs of our customers. For the year ended December 31, 2012, our consumer credit and
charge programs generated $1.8 trillion in GDV globally, representing 50% of our total GDV for this period. As
of December 31, 2012, the MasterCard logo appeared on 686 million consumer credit and charge cards
worldwide, representing a 5% increase from December 31, 2011.
We offer customized programs around the world to address specific consumer segments. Our consumer
credit programs include:
•Standard—general purpose products targeted to entry level consumers with basic credit card needs.
Standard products provide payment solutions featuring revolving credit, security and everyday
convenience.
•Premium—products designed for emerging affluent consumers and featuring higher credit lines and
spending limits and a varying level of enhanced services, including insurance coverage and access
benefits.
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