Manage virtual commercial cards for business expenses. Add cards to digital wallets for secure online, in-app, and contactless payments. Track spending with real-time data and enhanced controls for organizational purchases.
Reviews of Mastercard In Control Pay are mostly negative: the Business app is rated 1.8/5 from 20 App Store ratings. What users like most: great corporate card app, super functionality for employees. Top complaints: activation code not received, email verification not working. Summarized from real user reviews.
4.5.0
October 20, 2026
We've introduced enhanced support for Business Payment Controls and Commercial Connect cards, making it easier to manage and use your card programs within the app. This release also includes a number of performance improvements, usability enhancements, and bug fixes to deliver a smoother and more reliable experience.
More29 issues
Activation code not received
Email verification not working
Mastercard In Control Pay allows users to manage their mobile virtual commercial cards. It enables users to add these cards to their digital wallets for secure payments in various settings, including online, in-app, over the phone, and contactless transactions. The app is designed to simplify and enhance business payments for organizations.
To get started, you must receive a virtual commercial card from an organization and be issued by a participating financial institution. You will receive an email from Mastercard with a unique invitation code to register for the app. Once registered, your virtual card(s) will be automatically linked to your profile.
This app is exclusively for managing virtual commercial cards issued by participating financial institutions for organizational spending. It cannot be used for consumer card or prepaid card management. Only eligible virtual card accounts are supported.
The app itself is free to download and use. However, its functionality is tied to the virtual commercial cards issued by participating financial institutions through an organization. There are no direct in-app purchases mentioned for core features, but the service is tied to business card usage.
The app enhances security through tokenization, where sensitive card data is replaced by a unique alternative card number for payments. This means your actual account information is never revealed to merchants, reducing fraud risk. Additionally, biometric authentication and a 5-digit PIN can be used to access virtual cards within the app.
