Mastercard and PayPal Partner to Simplify Payments With One Credential
Mastercard and PayPal collaborate to integrate One Credential, enabling consumers to use a single payment method across online and in-store purchases.
Mastercard Mastercard and PayPal PayPal have announced a partnership to co-develop features using Mastercard’s One Credential, a solution designed to simplify payments for consumers. The collaboration aims to reduce friction at checkout by allowing users to access multiple payment options through a single credential, whether shopping online or in-store.
Key Features of the Partnership
- Unified Payment Experience: One Credential enables consumers to choose from debit, credit, installments, or prepaid options seamlessly.
- Enhanced Creditworthiness: PayPal users can leverage the solution to improve their credit profiles and transition from debit to structured credit products like installments.
- Personalized Preferences: Users can set payment preferences based on transaction type or amount, such as using a checking account for small purchases and credit for larger ones.
Executive Insights
- Chris Sweetland, SVP of Partnerships at PayPal, emphasized the shared goal of "reducing friction for consumers and giving them more control over how they pay."
- Bunita Sawhney, Chief Consumer Product Officer at Mastercard, highlighted the partnership’s focus on "delivering personalized digital experiences that build consumer confidence and trust."
Background on One Credential
Mastercard first introduced One Credential in February 2025 as a network-level capability to cater to evolving consumer demands. According to Jorn Lambert, Mastercard’s Chief Product Officer, the solution was inspired by consumers’ desire for "innovative ways to pay that are truly personalized to them."
Consumer Demand for Flexibility
Sawhney noted in a February interview with PYMNTS that consumers increasingly seek visibility and control over their cash flows. One Credential addresses this by offering transparency and flexibility, aligning with the broader trend of digital-first financial solutions.
Global Rollout
Mastercard is now expanding One Credential worldwide, positioning it as a transformative tool for Gen Z and beyond who prioritize smart money management.
For more details, read the official press release here.
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Alex Thompson
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Senior technology editor specializing in AI and machine learning content creation for 8 years. Former technical editor at AI Magazine, now provides technical documentation and content strategy services for multiple AI companies. Excels at transforming complex AI technical concepts into accessible content.