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What is Masterpass and how does it work?

Pay more conveniently at participating online retailers.

Once you’ve finished your online shopping, there’s still the checkout process to deal with. This step can be a bit annoying as you have to input information you’ve likely had to type out countless times — such as your shipping address and payment details.

Masterpass gives you a way around that hassle, letting you pay quickly at participating retailers with just your email or phone number and a password.

What is Masterpass?

Masterpass is a digital wallet from Mastercard that lets you check out faster at eligible online retailers. To use it, you’ll need an account at the Masterpass website with information such as your card details and shipping address. Then, use the account for payments by simply logging in.

Despite its name, Masterpass is compatible with more than simply Mastercard products. You can also add most credit, debit and prepaid cards from Visa and American Express.

What are the fees to use Masterpass?

While Mastercard has stopped accepting new signups for Masterpass, there was no signup fee. If you currently have the service, there are zero fees associated to use it.

How Masterpass works

Here’s some essential information on Masterpass and how to use it at participating retailers.

How do I sign up for Masterpass?

  1. Visit the Mastercard Masterpass website and click Sign Up.
    Mastercard Masterpass website home page
  2. Fill in your email address or phone number, and click Sign Up.
    Mastercard Masterpass email sign up form
  3. Input your card information (card number, expiry and CVC), then click Continue.
    Mastercard Masterpass screenshot of card info input form
  4. Input your personal contact information such as your first/last name, address and email, and create a password. Click Continue. (You may need to complete some extra steps to confirm your identity.)
    Mastercard Masterpass, screenshot of form for inputting personal information
  5. Congratulations! You’re finished signing up to use Masterpass. Indicate if you would like to receive news and offers from Masterpass as well as whether you want your login information remembered on the device you’re using. Then, click Continue.
    Mastercard Masterpass,
  6. Add another card or address, and verify that your personal information is correct. You are now set up and ready to use Masterpass!Mastercard Masterpass, manage your personal information and cards

What sets Masterpass apart?

Masterpass is very similar to Visa Checkout — it lets you add credit and debit cards from a variety of networks. In that sense, it has an advantage over Amex Express Checkout, which lets you use Amex cards only.

How do I use Masterpass online?

Look for the Masterpass logo when checking out at a participating retailer. Then enter the email or mobile number associated with your Masterpass account, along with your password.

You’ll see your credit card information and shipping address. Verify your details are correct, then finalize your transaction.

Mastercard Masterpass available on an online retailer checkout screen

Where can I use Masterpass?

These are some of the participating retailers featured on the Masterpass website:

  • 1 800 Flowers
  • Air Canada
  • Autism Today CDN
  • boardgames.ca
  • Boathouse
  • Canadian Tire
  • Cineplex
  • Cosco
  • Cosmo Music
  • ECS Coffee
  • EMS Chiefs of Canada
  • Gorilla Jack
  • Grand & Toy
  • Grocery Gateway
  • HMV
  • Indigo
  • Lebert Equalizer
  • Lenovo
  • London Drugs
  • Lowe’s
  • MacQueen Pipes
  • Manitoba Chamber Orchestra
  • Mercury Shaver Centre
  • Mirvish
  • National Ringette School
  • Newegg Canada Inc.
  • Pizza Pizza
  • Red Leaf Studios
  • Ren’s Pets
  • Resumes for Teachers
  • Roots
  • SHIFT-IT Coach Inc
  • Snuggle Bugz
  • Soul Art studio
  • Staging Diva Home Staging Training
  • Stokes
  • Success Strategies
  • Taylor Allan Training LTD.
  • Tera Warner – Raw Food Detox & Cleansing for Women
  • The Creators Code
  • The Globe And Mail
  • The Root of the Matter
  • The S.W.A.T. Institute
  • The West Coast Store / Great Canadian BBQ Store
  • Tricoloresports
  • Universal College of Reflexology
  • Urban Poling Inc.
  • VAClassroom.com
  • VIA Rail
  • Visible Dust
  • WestJet

Compare credit cards to use with Masterpass

You might have a credit card already, but consider looking at other cards to see if you have the best one for you. Here are a few picks we highly recommend.

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard
N/A
Up to 2% cash back
19.99%
$0
Min. recommended credit score: 650
Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn an extra 10% cash back (up to $100) on up to $1,000 of everyday purchases in the first 2 months Until May 31, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
Neo Secured Card
15% cash back
5% cash back
19.99%
$0
Min. recommended credit score: 600
Earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 1% cashback guaranteed.
OFFER
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn an extra 10% cash back (up to $100) on up to $1,000 of everyday purchases in the first 2 months Until May 31, 2022. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).
EXCLUSIVE
Neo Financial Mastercard
Get $25.00
Average 5% cash back
19.99% - 24.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 1% cashback guaranteed.
Walmart Rewards Mastercard
Up to $25 in Reward Dollars
Up to 1.25% cash back
19.89%
$0
Min. recommended credit score: 650
Get up to $25 in bonus Walmart Reward Dollars.
BMO Preferred Rate Mastercard
3.99% rate on balance transfers for 9 months
N/A
12.99%
$20
Min. recommended credit score: 660
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
BMO Ascend World Elite Mastercard
60,000 points
Up to 5x points per $1 spent
20.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 760
Get up to 60,000 points and get the $150 annual fee waived in the first year.
Brim Mastercard
Up to $200 worth of bonuses
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
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Compare up to 4 providers

Bottom line

Masterpass can make online shopping more convenient so you don’t have to input information such as your payment details and shipping address. Add the right credit cards to your account, and you can easily pay for purchases at a variety of retailers.

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