- Mercedes-Benz is joining forces with Mastercard to introduce
embedded in-car payments at the point of sale.
- Customers will be able to use a fingerprint sensor in their car
to make convenient and secure digital payments at more than 3,600
service stations in Germany.
- Mercedes-Benz is the world's first automaker to integrate
Mastercard Secure Card on File for Commerce Platforms technology
for online payments into its vehicles.
Mercedes-Benz customers in Germany can now start the fueling
process directly from their vehicle and pay digitally by
fingerprint. Eliminating the need to enter a PIN or authenticate
via mobile device, drivers can now leverage convenient payments to
enhance the in-vehicle experience. The native in-car payment
service via Mercedes pay+ will turn the car into a form of payment
device and can be used to make payments at service stations using
the fingerprint sensor integrated into the MBUX infotainment
system. This is now live with Mastercard debit and credit cards in
current Mercedes-Benz models.1
Fingerprint payment authorization at a gas station represents
the first use case for native in-car payments at the point of sale,
in addition to Mercedes-Benz as the world's first automaker to
integrate Mastercard's Secure Card on File for Commerce platform
into the car. This technology allows for transaction data to be
encrypted using uniquely assigned cryptograms,2 in turn protecting
sensitive payment information.
"With Mercedes pay+, we are making everyday life easier for our
customers. From now on, they can pay their fuel bill directly from
their car using their fingerprint – simply, securely, and
conveniently. An intuitive payment process and a best-in-class
customer experience lay the foundation for the success of digital
offerings. We are pioneers in native in-car payment and are already
working on the integration of further services," said Franz
Reiner, Chairman of the Board of Mercedes-Benz Mobility AG.
A study conducted by the German market research company GfK on
behalf of Mastercard shows that around half of 18- to 39-year-olds
would order and pay for services and goods directly via the
infotainment display. The proponents would like to use in-car
payment primarily for everyday car-related services: 60 percent
would pay their gas bill or electric vehicle charging directly via
the car.
"Digital payments are coming of age, and consumers want to
embrace new forms that are infused into their everyday experiences
and activities,” said Jorn Lambert, Chief Digital Officer at
Mastercard. “Through our dynamic payments technology, we are
proud to work hand in hand with Mercedes-Benz to bring safer,
smarter, and more intelligent commerce experiences to its vehicles.
We look forward to our continued efforts to drive further
innovation in this area in Germany and around the world."
Emerging Payments Analyst Christopher Miller, Javelin
added, “This joint effort between Mastercard and Mercedes-Benz
to enable native in-car payments for fueling is an example of a
real-world step towards a more seamless and integrated payments
ecosystem that brings together consumer need, the right data, and
payment credentials to reduce payment friction while retaining
payment security. The announcement highlights the importance of
payments experiences that are truly integrated from end-to-end –
from authentication hardware in the vehicle, to calculation of fuel
costs and needs, to email delivery of receipts. Payment flows that
are truly differentiated will persuade consumers to adopt emerging
technologies such as pay-by-car. Delivering on these types of
experiences requires partners with the capability to coordinate all
of these different components into something that is easy for
consumers to both use and understand.”
How in-car payment with fingerprint works
When a driver reaches a connected service station and switches
off the engine, the Mercedes me Fuel & Pay service will start
automatically on the MBUX infotainment system.3 Once started, the
driver can simply select the appropriate gas pump. Even before
refueling, the system will calculate the maximum total amount based
on the current fuel price and the amount of fuel when the tank is
full. And rather than authorizing the payment via a mobile device,
the driver will complete their transaction seamlessly through
fingerprint authentication.4 After refueling, the driver will see
the amount of fuel refueled and the invoice amount to their
Mastercard debit or credit cards on the MBUX display. Payment will
be made automatically, and the driver will be able to leave the gas
station without having to walk to the checkout area. The invoice is
then sent to the customer by e-mail.
Where to find Mercedes me Fuel & Pay
Contactless payment via Mercedes me Fuel & Pay and
fingerprint sensor is now possible at over 3,600 cooperating gas
stations in Germany. Consumers can use their German-issued5
Mastercard credit or debit cards for native in-car payment by
registering their card in the Mercedes me user account and
activating it in the vehicle via the MBUX infotainment system
Mercedes pay+.
Fingerprint payments from the car will be extended soon to other
vehicle-related services and to other European markets.
For more information from Mercedes-Benz Mobility, please visit:
group-media.mercedes-benz.com and
www.mercedes-benz-mobility.com/de/media-site/
Read more: Mercedes pay CEO Nico Kersten discusses the
evolution of in-car payments with the Mastercard Newsroom:
https://www.mastercard.com/news/perspectives/2023/mercedes-pay-ceo-on-securing-the-future-of-in-car-payments/
About Mastercard
Mastercard is a global technology company in the payments
industry. Our mission is to connect and power an inclusive, digital
economy that benefits everyone, everywhere by making transactions
safe, simple, smart and accessible. Using secure data and networks,
partnerships and passion, our innovations and solutions help
individuals, financial institutions, governments and businesses
realize their greatest potential. With connections across more than
210 countries and territories, we are building a sustainable world
that unlocks priceless possibilities for all.
www.mastercard.com
About Mercedes-Benz Mobility
With around 10,000 employees, Mercedes-Benz Mobility specialises
in financial and mobility services. The products range from
financing, leasing, vehicle subscription, rental and fleet
management to insurance, innovative mobility services, digital
payment solutions as well as products and services around charging.
Mercedes-Benz Mobility is a division of Mercedes-Benz Group AG,
which also includes the vehicle manufacturer Mercedes-Benz AG, one
of the largest suppliers of premium and luxury passenger cars and
vans. Mercedes-Benz Group AG is one of the most successful
automotive companies in the world. As financial services provider,
Mercedes-Benz Mobility entities support sales of the Mercedes-Benz
Group's automotive brands worldwide. In addition, Mercedes-Benz
Mobility offers comprehensive products and services in the fields
of charging at home, at public and for business use cases. In
Germany, Mercedes-Benz Bank is one of the leading vehicle financing
banks. Flexible mobility offers such as Mercedes-Benz Rent or EQ
subscription, enable an uncomplicated and flexible entry into
e-mobility, complementing the service portfolio. With its
subsidiary Athlon, Mercedes-Benz Mobility is present in Europe in
operational fleet management and vehicle leasing and is responsible
for around 400,000 vehicles. In addition, Mercedes-Benz Mobility
invests in the market for urban mobility services: The FREE NOW
Joint Venture is a pioneer of multimodal mobility with its digital
Mobility-as-a-Service platform. The Digital Charging Solutions GmbH
(DCS), which is behind the CHARGE NOW Joint Venture, brings
together drivers of electric vehicles and charging station
operators. The portfolio also includes StarRides – a limousine
transport service joint venture in China – and the participation in
the Berlin chauffeur service Blacklane. In 2022, Mercedes-Benz
Mobility financed or leased around every second of the
Mercedes-Benz Group's vehicles sold worldwide. This corresponds to
a contract volume of 132.4 billion €. The business segment
generated sales of 27.0 billion € in 2022 and achieved an EBIT
adjusted of 2.4 billion €. Mercedes-Benz Mobility operates in 35
countries.
1 Series: 223, 206, 254, 232
2 Mercedes-Benz uses the Mastercard
Digital Enablement Service (MDES) to encrypt transaction data. The
customer's physical card number is replaced by a so-called token.
The payment information is created once for each individual
transaction and the token can only be used by the merchant who
requested it.
3 To use the Mercedes me connect services,
create a Mercedes me ID and agree to the Terms of Use for the
Mercedes me connect services. The services shown and their
availability and functionalities depend in particular on the
vehicle model, year of manufacture, selected optional equipment and
country.
4 Strong Customer Authentication (SCA)
compliance requires two-factor authentication consisting of:
something the consumer knows (e.g. a password), owns (e.g. a
connected device), or is (e.g. biometrics). Mercedes pay uses the
Mastercard Token Authentication Framework, where the authentication
(SCA) is transferred from the card-issuing banks to Mercedes
pay.
5 The authorization is subject to the
card-issuing bank or savings bank and not to Mercedes-Benz.
View source
version on businesswire.com: https://www.businesswire.com/news/home/20230925733208/en/
Mastercard: Juliane Schmitz-Engels, +49 172 1880720,
juliane.schmitz-engels@mastercard.com
Mercedes-Benz Mobility AG: Martin Schou, +49 176 3099 8638,
martin.schou@mercedes-benz.com
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