MasterCard Digital Enablement Service (MDES)

MasterCard Digital Enablement Service (MDES) is the platform allowing to use any device with connection to the Internet for commission and acceptance of payments.

The MDES service allowed to add payment functionality consumer goods — cars, clothes, gadgets and wearable devices, offering consumers freedom to make purchases by the most convenient for them by method with the due security level.

2019: Start of the universal platform of tokenization based on MDES

On February 27, 2019 CardsMobile reported that they together with MasterCard submitted the universal platform of tokenization working based on MasterCard Digital Enablement Service (MDES). Read more here.

2015

According to information for 2015 MDES supports contactless payments and the so-called digital protected remote payments (Digital Secure Remote Payments, DSRP). Payment in sales points is made by a contactless method using NFC technology, and payments in applications with protection of the EMV level and authorization by tokens use DSRP technology.

All transactions of MasterCard made via the Apple Pay are ready to use of the industry standard of security of EMV, and are protected using the payment tokens conforming to industry standards. Tokens are disposable combinations of digits which are used on mobile devices instead of 16-unit numbers on plastic cards. MDES confirms transaction, sets compliance of a token with number of the plastic card and sends this information to emitting bank for payment authorization from its party.

Use of tokens allows to provide even more protected and convenient payment method. The additional security level is provided because the token can be assigned to the specific device or the channel. If number is compromised, and the swindler will try to use it, MDES will block transaction. It is convenient for the buyer as in case of loss of the device or a compromise of details of the card it is possible "to terminate" communication between tokens and the card in the MDES platform and to reissue a token or the card without additional efforts from the consumer.

2014: Start in the USA

In the USA the MDES platform was started in 2014 together with the Apple Pay.

2013: Announcement of the platform

MasterCard Digital Enablement Service was provided in 2013. This platform — security basis electronic payments. With it means and data consumers always under protection, not important with what method they pay off. After the start Apple Pay working with MDES soon with the platform began to work Samsung Pay and Android Pay.