MastercardMA
Moat score
The other half of the duopoly, one notch behind Visa on scale and brand, identical in structure.
MOATE3.9Deep
3.9 Deep
| Dimension | MOATE | Community |
|---|---|---|
| Switching costsweight 15The same embedded rules and settlement relationships as Visa; issuers rarely move portfolios. | 8 | — |
| Network effectsweight 15The same two-sided network, at somewhat smaller scale. | 10 | — |
| Scale & cost advantageweight 12Global processing scale second only to Visa. | 8 | — |
| Brand & pricing powerweight 12Universally accepted; slightly less default than Visa in most markets. | 7 | — |
| Cornered resourceweight 12The network, the rulebook, and acceptance footprint. | 8 | — |
| Distribution controlweight 12On most cards and every terminal that takes Visa. | 8 | — |
| Disruption resilienceweight 12Shares Visa’s exposure to real-time and account-to-account rails. | 7 | — |
| Independenceweight 10The same regulatory and antitrust exposure as Visa. | 5 | — |
Score it yourself
How strong is Mastercard's moat?
Question 1 of 8
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