Secure Remote Commerce program guide

Use Secure Remote Commerce (SRC) to securely pay online, and use the global payments industry to protect your payment information. Users can add cards from Visa, Mastercard, American Express, and Discover to enable Click to Pay. SRC supports all participating network brands.

Integrate the Secure Remote Commerce button

To get started, generate your Masterpass Checkout ID in the Dashboard and configure your sandbox and production callback URLs. Mastercard offers SRC as an update to their Masterpass service.

To use SRC on your website, add the following script tag to your HTML document:

<script type="text/javascript" src="https://sandbox.src.mastercard.com/srci/integration/merchant.js?locale=en_us&checkoutid={checkoutId}"></script>

To display the Masterpass button with black text, use the following image:

<img id="mpbutton" src="https://src.mastercard.com/assets/img/acc/global/src_mark_hor_blk.svg?locale=en_us&paymentmethod={acceptedCardBrands}&checkoutid={checkoutId}"/>

To display the Masterpass button with white text, use the following image:

<img id="mpbutton" src="https://src.mastercard.com/assets/img/acc/global/src_mark_hor_blk.svg?locale=en_us&paymentmethod={acceptedCardBrands}&checkoutid={checkoutId}"/>

Attach a click handler to the image and use it to invoke the masterpass.checkout function with the desired parameters:

const button = document.getElementById('mpbutton');

button.addEventListener('click', (ev) =>
  masterpass.checkout({
    checkoutId: '{{MASTERPASS_CHECKOUT_ID}}',
    allowedCardTypes: ['master', 'amex', 'visa'],
    amount: '10.00',
    currency: 'USD',
    cartId: '{{UNIQUE_ID}}',
    callbackUrl: '{{CALLBACK_URL}}'
  }));

The masterpass.checkout function requires the following parameters:

For more details about the masterpass.checkout function and the parameters that it accepts, refer to Mastercard’s documentation.

Complete the payment

When the user clicks the Masterpass button on your checkout page, it takes them to the Masterpass website where they can select an existing payment method from their account or input a new one. When the user completes the process, Masterpass redirects them to the callback URL that you configured when activating Masterpass, or to the specified callback URL when invoking masterpass.checkout function. It appends an oauth_verifier URL query parameter that your application can use to complete the transaction.

In the route handler for the redirect destination, extract the URL query parameter and use it to confirm the PaymentIntent that you have created at the beginning of the checkout flow. See accept a payment to learn how to manage your checkout flow using Payment Intents.

The following code example demonstrates how to confirm a PaymentIntent with SRC in Node.js with the Express framework:

app.get('/callback', async (req, res) => {
  // retrieve the PaymentIntent ID created at the beginning of the checkout flow.
  const payment_intent_id = '{{PAYMENT_INTENT_ID}}';

  const payment_intent = await stripe.paymentIntents.confirm(payment_intent_id, {
    amount: 1000,
    currency: 'usd',
    payment_method_data: {
      type: 'card',
      card: {
        masterpass: {
          cart_id: '{{UNIQUE_ID}}',
          transaction_id: req.query.oauth_verifier,
        },
      },
    },
  });

  res.send('<h1>Charge succeeded</h1>');
});

Test Secure Remote Commerce

To test your SRC integration against Mastercard’s sandbox, create a new SRC user account during the checkout process on your website. Configure the account to use one of the test cards from the Masterpass documentation. Complete the checkout process as normal, selecting the test card as your payment method. If everything works correctly, Mastercard redirects you back to your application, which creates the charge as expected.

The SRC integration only works correctly when included on an http or https page. Stripe doesn’t support serving from the filesystem, even during testing.