- According to MasterCard, almost half of European e-commerce payments are currently being processed using tokenization technology.
- MasterCard plans to fully tokenize all European online payments by 2030, integrating Click to Pay and other crypto innovations.
Who thought that online shopping cards could cause quiet but widespread changes? MasterCard has announced that almost half of all e-commerce transactions in Europe currently use tokenization systems. So, if you’re shopping online and feel that transactions are faster and safer, it could be the result of this technology.
In short, tokenization is a method of disguising sensitive data such as debit cards and credit card numbers using random codes that can only be used once in a given location. This will reduce the risk of data theft without changing your shopping habits.
Mastercard will increase tokenization in Europe 💳
Almost 50% of all e-commerce transactions processed by MasterCard in Europe are tokenized, and this is the main step in the adoption of actual tokenization.
The company aims to turn it into a 100% token by 2030.
This shows a major change to …pic.twitter.com/zrgnxzyjfi
– Bitcoinsensus (@bitcoinsensus) June 5, 2025
Pay by 2030 and click to get the road to full tokenization
Interestingly, MasterCard aims to implement a complete symbolization system across Europe by 2030. They began combining this technology with other features that support a smoother shopping experience.
One of these is a click prevention service that allows for the checkout process without having to re-enter your card number. Not only does it make it faster, it also reduces the drama of forgetting your password or getting the wrong card number.
MasterCard teams up to bring Crypto cards into real life
MasterCard, on the other hand, appears to be extremely busy expanding the scope of crypto-based payments. CNF previously reported that it had partnered with MoonPay to launch payment cards that could be used directly by more than 150 million merchants.
This card can be used to use stub coins like USDC and then automatically converted to Fiat currency during trading. This means you can purchase coffee using the cipher without the hassle of a manual exchange first. This is clearly a major step that can accelerate the adoption of codes in everyday life.
Additionally, MasterCard also supports the launch of debit cards exclusively for the Polkadot Ecosystem, featuring Nova Wallet and Mercuryo. Released in early June 2025, the card allows users to replenish their balance with Dot tokens and pay with regular merchants, including Apple Pay and Google Pay.
Like previous collaborations, the card also comes with an automatic conversion system to Euro. So you don’t need to be a Web3 developer first so that you can enjoy shopping with DOT.
However, the most interesting thing is MasterCard and a collaboration with a crypto compliance company called Notabene. The Crypto Credentials feature has been integrated into the Safetransact platform.
So instead of entering a crypto wallet address as much as nuclear secret code, users can simply send it to an email or an alias that is easy to remember. It’s like storing your account number with the name of a contact, and it must have been that easy from the start, right?
MasterCard is clearly trying to remove complexity from the digital payment process. In addition to security, tokenization also helps speed up the transaction process and increase the success rate of payments.
In fact, they say that over half of European consumers are cumbersome to have to create a new account at checkout, and over 80% are dissatisfied with the slow payment process. So the solution they’re pushing is not just a cool technology, but an answer to the real problem for users.