# Mastercard In Control Pay > Manage virtual commercial cards for business spending and payments. (iPhone/iPad app by Mastercard International Incorporated.) - Source: https://appshunter.io/ios/app/mastercard-in-control-pay/id1556100967 (this page in markdown: same URL + `.md`) - Developer: [Mastercard International Incorporated](https://appshunter.io/developer/309754131) - Category: Business - Price: Free - Rating: 1.80/5 from 20 App Store ratings · 44 written reviews indexed - Age rating: +4 - Requires: iOS 16.0 · 93 MB - Languages: European Portuguese, German (Germany), Chinese (Simplified, China), Chinese (Traditional, Taiwan), Korean, Danish, European Spanish, Finnish, French (France), Dutch and 9 more - Released: 2021-04-01 - Data updated: 2026-09-05 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/mastercard-in-control-pay/id1556100967/reviews.md ## What is Mastercard In Control Pay? A BETTER WAY TO ACCESS AND MANAGE VIRTUAL COMMERCIAL CARDS Mastercard In Control™ Pay allows users to seamlessly manage their mobile virtual commercial cards. Users can effortlessly add cards to their digital wallets and experience secure online, in-app, over the phone, and contactless payments. With In Control Pay, organizations can simplify and enhance Travel & Expense (T&E) and B2B payments for both employees and non-employees. **This app cannot be used for consumer card or prepaid card management.** HOW DOES A USER GET STARTED? Mastercard In Control Pay app is only for users who receive a virtual commercial card from an organization and issued by a participating financial institution. Mastercard will send the user an email with a unique invitation code to register for the app. Once the user is registered, the virtual card(s) will be automatically linked to the user’s profile in the app. From there, the user can add the virtual commercial card to a digital wallet. HOW DOES THIS APP HELP USERS MANAGE THEIR MOBILE VIRTUAL CARD EXPERIENCE? SEAMLESS PAYMENT EXPERIENCE: Use the virtual commercial card to pay digitally for organizational spending. Don’t fumble for exact change or use a personal credit card and wait for reimbursement. TRANSPARENT CONTROLS: View controls set by the organization for the virtual cards in the app. These include how, where and when virtual cards can be used. REAL-TIME AND ENHANCED DATA: See completed and processing transactions through our app with an option to filter the transactions by virtual card number (VCN) and time periods to get a complete picture of spending. A HOLISTIC VIEW: Manage virtual commercial cards from multiple participating financial institutions within the same app. INCREASED SECURITY: Feel confident your virtual cards are secure. All mobile virtual card payments are tokenized, with the sensitive data replaced by a unique alternative card number, so account information is never revealed to merchants, decreasing the risk of fraud. Plus, biometric authentication and a 5-digit PIN can be utilized to access virtual cards. REDUCED ENVIRONMENTAL IMPACT: No plastic needed! WHY DO ORGANIZATIONS WANT TO USE MOBILE VIRTUAL CARDS? Organizations of all sizes and segments see value in mobile virtual cards since they offer a simple and controlled way to empower employees and non-employees alike to make business purchases. Organizations are able to modify virtual card controls as needed, track spending with enhanced data, and more. Disclaimer: Mastercard In Control Pay app and features are available only for eligible virtual card accounts issued by the financial institution. Prepaid Cards and Consumer Cards are not eligible.
 To log in, users must have an invitation code from Mastercard and the ability to authenticate in order to register for the app.
 To see the full Privacy policy, copy and paste the following link into your browser: https://www.mastercard.us/en-us/vision/corp-responsibility/commitment-to-privacy/privacy.html The virtual card(s) are not issued by Mastercard and is (are) subject to the terms and conditions of the relevant issuer. If you have any questions regarding your virtual card, please contact the company that has authorized you to use the virtual card and the relevant issuer institution. ## Key features - Manage virtual commercial cards - Add cards to digital wallets - Secure online, in-app, and contactless payments - View transaction data - Set and view card controls - Tokenized payments for increased security ## Recent user reviews (10 of 44) All indexed reviews: https://appshunter.io/ios/app/mastercard-in-control-pay/id1556100967/reviews.md ### 1/5 — Terrible *2026-04-20* Never received activation code for new sign up ### 1/5 — absolutely useless *2026-03-17* wasted $50 ### 1/5 — Não chega notificação *2026-01-17* Não chega notificação pra validar a conta ### 1/5 — Email verification problem *2025-09-20, version 3.7.0* Email verification don’t work ### 1/5 — dont work *2025-09-17, version 3.7.0* dınt send mail ### 2/5 — Codice mancante *2025-08-29, version 3.7.0* Non mi manda il codice ### 1/5 — Code de confirmation *2025-07-25, version 3.6.0* Le code de confirmation n’arrive jamais dans ma boîte d’e-mail, j’ai tout essayer même de réinitialiser. ### 1/5 — No funciona *2025-07-11, version 3.6.0* No reconoce los datos, no funciona. Me parece que es fake. ### 1/5 — Awful. *2025-07-01* Won’t let me sign in. I need to activate my card for online purchases, otherwise my $300 card is useless. Internet says the only way I can do that is by the app that DOESN’T WORK!!! Now, I’m out of $300 because the reservations I need to pay for are only online. **Developer response:** App cannot be used for consumer or prepaid cards. The In Control Pay app is exclusive to commercial virtual cards issued by participating financial institutions. Users will receive an email with a unique invitation code to register. Once registered, virtual cards are automatically linked to the user's profile, ready to be added to a digital wallet. ### 1/5 — No funciona la app *2025-06-12, version 3.5.2* No envía correo de verificación ## Frequently asked questions about Mastercard In Control Pay ### What does Mastercard In Control Pay do? 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. ### How do I get started with Mastercard In Control Pay? 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. ### What types of cards can I manage with this app? 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. ### Is this app free to use? 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. ### How does the app enhance payment security? 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. ## Version history (last 5 releases) ### 4.4.2 — 2026-09-01 We’ve enhanced the app experience with notification management. You’ll also receive prompts and reminders to keep your app up to date. ### 4.3.1 — 2026-06-16 We've updated the app splash screen with a refreshed image and implemented fixes to a wallet provisioning issue faced by some users. ### 4.2.2 — 2026-04-09 This release has fixed some bugs and added minor improvements. ### 4.2.1 — 2026-04-03 We enhanced the app with additional security by introducing authentication for future password changes. We have also simplified the UI by removing custom data fields in the app. ### 4.1 — 2026-01-23 We’re committed to delivering an exceptional app experience! Access has been refined so you can now view only your bank’s Terms & Conditions. Notifications include the last four digits of the associated card for easier identification, and we’ve implemented minor fixes to improve your overall provisioning flows. ## Apps similar to Mastercard In Control Pay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Tap to Pay + Contactless + POS](https://appshunter.io/ios/app/tap-to-pay-plus-contactless-plus-pos/id6473804181) | 4.8 (3,739) | Free | Business | ## More apps by Mastercard International Incorporated - [Qkr!™](https://appshunter.io/ios/app/qkr/id589799471) - [MasterCard Nearby](https://appshunter.io/ios/app/mastercard-nearby/id778074772) - [MasterCard Concierge](https://appshunter.io/ios/app/mastercard-concierge/id898290816) - [Pay with Rewards](https://appshunter.io/ios/app/pay-with-rewards/id1027130748) - [Betalingsservice](https://appshunter.io/ios/app/betalingsservice/id1061617309) - [Merchant Console](https://appshunter.io/ios/app/merchant-console/id1284979928) All apps by Mastercard International Incorporated: https://appshunter.io/developer/309754131 ## Related topics [mastercard digital gift card](https://appshunter.io/ios/topics/mastercard-digital-gift-card) · [mastercard gift card](https://appshunter.io/ios/topics/mastercard-gift-card) · [mastercard](https://appshunter.io/ios/topics/mastercard) · [mastercard innovation forum](https://appshunter.io/ios/topics/mastercard-innovation-forum) · [concordia bank mobile](https://appshunter.io/ios/topics/concordia-bank-mobile) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*