Mastercard has introduced Mastercard Commerce Media, a digital media network with an existing base of 25,000 advertisers and reach to 500 million enrolled customers that will operate both in owned channels as well as bank and other publishing outlets worldwide. The media network’s capabilities will be informed by proprietary insights from Mastercard-processed transactions — approximately 160 billion in 2024 alone.
“We understand how to connect advertisers to consumers and consumers to the products, services and experiences they value,” said Craig Vosburg, Chief Services Officer at Mastercard in a statement. “Mastercard Commerce Media is a natural extension of the trusted connections we’re known for and the work we already do across our unique suite of services.”
For advertisers, the network can tailor content using both past purchase behavior and current purchase signals, providing attribution, incrementality and greater transparency into campaign performance insights. Advertising activity takes place in brand-safe channels and uses permissioned data, so advertisers can feel more confident about where their content lands.
With the launch, Mastercard joins a growing number of other payment platforms offering commerce media opportunities, including Chase Bank, Klarna and PayPal.
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Offers Tailored to Audiences Aligned with Business Goals
Here’s how it works: advertisers that come to Mastercard to deliver tailored offers and content (such as cashback, discounts, incentives, ads and more) can reach specific audiences aligned with the advertiser’s business goals. Within Mastercard’s proprietary Offers platform and using the advertiser’s set parameters, Mastercard uses insights from permissioned data to identify the right audience for each offer — even meeting consumers on the move with tailored content as they travel. Consumers can activate offers on their enrolled card and complete purchases, which Mastercard can then attribute directly to the served content.
Complementary solutions in the Mastercard Services portfolio add to the network’s benefits, including connecting with consumer-facing personalization powered by Dynamic Yield, which Mastercard purchased from McDonald’s in December 2021.
Mastercard Commerce Media also will leverage strategic relationships with Citi, WPP, American Airlines and Microsoft. Mastercard’s growing connection to creative agency WPP allows the financial giant to extend its footprint and connection to brands and buyers in the traditional media space.
As agentic commerce advances, Mastercard is partnering with Microsoft with the aim of enabling Mastercard Commerce Media in Copilot Studio to provide a connected experience whether a human or an AI agent is driving it. In May 2025 Mastercard debuted Agent Pay, a tokenized payment technology that can be integrated into agentic AI platforms to facilitate secure payments.
Looking ahead to 2026 and beyond, Mastercard Commerce Network is planning to enter new distribution channels, including POS and digital wallets, as well as expanding to new markets and forging deeper integrations with existing Mastercard solutions.
Learn more about retail media here.
