MasterCard 2013 Annual Report Download - page 12

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8
MasterCard Programs and Solutions
We provide a wide variety of payment solutions that support payment products that customers can offer to their
cardholders. These services facilitate transactions on the MasterCard Network among cardholders, merchants, financial
institutions and governments in markets globally. The following chart provides GDV and number of cards featuring
our logos in 2013 for select programs and solutions:
Year Ended December 31, 2013 As of December 31, 2013
GDV in billions % of Total
GDV Cards in
millions
Percent Increase
from December 31,
2012
MasterCard Branded GDV1
Consumer Credit . . . . . . . . . . . . . . . . . . . . . . $ 1,990 48% 703 4%
Commercial Credit. . . . . . . . . . . . . . . . . . . . . 322 8% 38 13%
Debit and Prepaid. . . . . . . . . . . . . . . . . . . . . . 1,792 44% 540 28%
1 Excludes volume generated by Maestro and Cirrus cards. As of December 31, 2013, the Maestro logo appeared on 706 million cards,
representing 2% growth from December 31, 2012.
Consumer Credit and Charge. We offer a number of programs that enable issuers to provide consumers with cards
that enable them to defer payment, either by permitting them to carry a balance in a revolving credit account or requiring
payment of the full balance within a specified period. These programs are designed to meet the needs of our customers
around the world and address specific consumer segments, including:
• Standard - general purpose products for consumers with basic credit card needs, featuring revolving credit,
security and everyday convenience.
• Premium - products designed for more affluent consumers and featuring higher credit lines and spending limits
and a varying level of enhanced services, including insurance coverage and access benefits.
• Affluent - product offerings for the most affluent consumers worldwide that feature our highest purchasing
capacity, as well as a comprehensive range of premium access benefits and top-tier services, and travel,
concierge and cardholder protection insurance in some regions.
Debit. We support a range of payment solutions that allow our customers to provide consumers with convenient access
to funds in deposit and other accounts. Our debit and deposit access programs can be used to make purchases and to
obtain cash in bank branches, at ATMs and, in some cases at the point of sale.
• MasterCard-branded Debit. MasterCard-branded debit programs provide functionality for both signature-
based and PIN-based authenticated transactions, and are designed to meet the needs of consumers with standard,
premium and affluent offerings.
• Maestro-branded Debit. Maestro is our global PIN-based debit program, and is the only PIN-based solution
that operates globally. Maestro has a leading position among PIN-based debit brands in many markets
throughout the world, particularly in Europe.
• ATM. Cirrus is our primary global cash access solution, providing domestic and cross-border access for
transactions at ATMs that participate in the MasterCard Network, including cash access (withdrawal, advance
and drawdown), balance inquiries, account transfers and deposits.