Mastercard is the world's No. 2 card network, accepted at over 110 million merchants in more than 210 countries. It is a leading card in the US market as well as in some European countries such as Sweden, and it also holds a strong position across Latin America.
210+ countries, 110M+ merchants, the Mastercard network, the world's No. 2
210+ countries
Countries with merchant acceptance
Mastercard official
110M+
Global merchants
Mastercard official
25%
Share of US cards issued as Mastercard
As of Q2 2025
85%+
Combined Visa and Mastercard US market share
As of 2025
Service coverage
210+ countries worldwide
Network operator
Mastercard Incorporated
Last updated
2026-09-15
Payment methods
Hecto Financial integration is provided for online (web/app) payments.
Online payment
Customers enter their Mastercard number at web or app checkout, or pay with one click using a saved card, for instant approval.
Recurring/subscription payment
Saved card data (network tokens) can be used to automatically approve recurring charges such as subscriptions and memberships, making it suitable for subscription-based services and SaaS businesses.
Onboarding process
A simple flow completed quickly with just PG integration
01
Merchant application
Apply easily online through Hecto Financial.
02
Review and contract
The contract is signed after merchant information is verified.
03
PG integration
Mastercard payments are integrated into your website or app checkout.
04
Start accepting payments
Once integration is complete, you can immediately accept Mastercard payments worldwide.
Why adopt Mastercard
Bring together the world's two largest card networks alongside Visa in a single contract
Accepted in 210+ countries worldwide
Usable at over 110 million merchants, ranking alongside Visa as one of the world's two largest card networks.
Strong presence in Europe and Latin America
A leading card in some European countries such as Sweden, and it also holds a strong position across Latin America, including Brazil and Argentina.
Online security with 3-D Secure and tokenization
Based on EMV 3-D Secure, the international standard for online payment authentication, and network tokenization, it lowers the risk of fraud in card-not-present transactions.
Single domestic contract, settlement in 3 currencies
Adopt Mastercard with a single contract as a Korean entity, without needing an overseas entity or overseas bank account, and receive settlement in USD, KRW, or JPY as selected in your contract.
Key markets
Representative countries by region where Mastercard is especially strong
North America
United States · Canada
Europe
Sweden · Germany · France · Belgium
Asia-Pacific
Australia · Singapore · India
Latin America
Brazil · Argentina · Mexico
Customer segments you can newly capture
Cross-border shoppers
Customers who enjoy shopping directly from overseas can pay with the Mastercard they already use
European and Latin American travelers and buyers
Broadly capture travelers and buyers from countries with high Mastercard share, such as Sweden and Brazil
Online subscription and recurring-payment customers
Cover business customers that need recurring billing, such as overseas SaaS and subscription services
Frequently asked questions
Key information about adopting Mastercard payments
QCan I adopt Mastercard payments without an overseas entity?
Yes. Integrating through Hecto Financial lets you adopt Mastercard payments without an overseas entity or overseas bank account.
QHow is Mastercard different from other card networks?
Mastercard is the world's No. 2 card network, accepted at over 110 million merchants in more than 210 countries. It holds a particularly strong position in some European countries and across Latin America, complementing Visa well.
QHow much is the payment fee?
Merchant fees vary depending on the transaction country, payment type (domestic vs. overseas), and payment gateway contract, and are generally set at typical international card payment fee levels. When integrating through Hecto Financial, fees are negotiated separately based on transaction volume.
QCan an online-only store also adopt this?
Yes. Hecto Financial's global payment service is provided for online (web/app) payments, so you can adopt it even if you only operate online sales channels such as your own store, an open marketplace, or a mobile app. It integrates into web and app checkout via a payment window or API.
QWhat currency is used for settlement?
Customers pay in the currency linked to their card, and after Hecto Financial receives and converts the overseas payment funds, settlement to the Korean merchant is made in USD, KRW, or JPY as selected in the contract. The settlement cycle and exchange rate basis follow the contract terms.
QCan I integrate other card networks (Visa, JCB, etc.) as well?
Yes. In addition to Mastercard, Hecto Financial supports major global card networks such as Visa, American Express, UnionPay, JCB, and Diners Club, and can also manage various country-specific local payment methods such as PayPay and Rakuten Pay under a single integrated contract.
Inquire about Mastercard payment integration
Hecto Financial's global payment specialist team supports the entire process from integration to settlement.
