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MasterCard Customer Service

Phone Number & Contact Info

MasterCard's Best Phone Number

800-627-8372
Toll-free·Calls Customer Service·Most popular MasterCard number
Q:

How do I talk to a live human at MasterCard?

A:Press 1 for English, must choose an option 1-4.
Q:

Does MasterCard offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Thursday.
Q:

How long will I wait on hold?

A:The average hold time is 33 minutes. The longest hold times are on Wednesday, and the shortest are on Tuesday. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this MasterCard phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 1 for English, must choose an option 1-4.
Here is how our research team describes the way the MasterCard phone system greets you: Mastercard cardholder, press 1. Merchant, press 2. Financial institution, press 3. Not a member but would like info about our services, press 4.
Below are some clips we've found from MasterCard's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"Thank you for calling the Mastercard assistance center. To continue in English, press one. If you are a Mastercard cardholder, press one. If you are a merchant, this call may be recorded or monitored for quality purposes. Please know that Master card will handle your information securely. But for more information, please visit us at Mastercard dot com."
Excerpt from a call with MasterCard
Thursday, January 25, 2024 8:47 PM

They may ask you to enter information with the dial pad

"Thank you for calling the Mastercard assistance center. To continue in English, press one.
If you are a Mastercard cardholder, press one. If you are a merchant, press two.
If you are a financial this please enter your Mastercard card number followed by the pound or hash key."
Excerpt from a call with MasterCard
Saturday, February 24, 2024 9:03 PM

What are the hours and when should I call?

MasterCard operates the call center for this 800-627-8372 phone number 24 hours, 7 days. The short answer is that you should call on a Friday. This observation and the following section are based on analysis of a sample set of 302 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this MasterCard phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like MasterCard staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call MasterCard is Sunday. The most busy day to call is Thursday, which averages 190% more phone calls by comparison. Again, this is based on a sample of 302 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Busiest
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Wednesday.

The best time to call MasterCard

In summation, the best day to call MasterCard is Friday.

Calling this MasterCard Customer Number

Calling this number proved to be almost completely ineffective, as you cannot really use the number if you aren't a MasterCard holder or merchant. That wouldn't be a negative on its own, but the menu sets up in a way that makes people think that they can get information without being able to do so.

When I called, I was first taken to the main menu and asked to choose my language. I was given options of English, Spanish and French before I selected English. I was then asked if I was a MasterCard holder, a merchant or a provider and given an appropriate button to hit for each selection. If I met none of the three, I could choose button no. 4 for information about signing up with MasterCard.

I selected button no. 4 and waited for the system to provide me some information. But all the system gave me was the website to sign up with MasterCard and told me that I could apply for a card there. I waited to see if there would be any other information, but there was not. The system asked me if I would like that information repeated, and I said that I would not. The system then thanked me for calling and automatically hung up the phone.

Overall, I was not impressed with the information available from the call. I get that MasterCard might not want people who are not yet card members to call their phone number, but if that's the case, there's no point to making someone press a button just to get the web address. Simply putting the web address in the menu and telling callers to go there if they need help with getting a MasterCard account would be more helpful.

Based on this, I'd hesitate to use this number, as it seems the setup is wasteful.

Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.

Why Customers Call MasterCard

If you have time to do a bit of reading before you call MasterCard, we recommend you read over some of our problem-specific articles.

What Do I Do If My MasterCard Account Is Locked?

This article discusses the steps you need to take to get your Mastercard credit card account unlocked. It also shares the information you will need to have with you before you talk to your bank's customer service representative. It suggests reaching out to Mastercard if you need help with these steps.

How Do I Recover My MasterCard Account?

This article discusses the steps you'll need to take to recover your Mastercard account. It shares that you'll need to first access the website of the bank which issued your Mastercard credit card to you. It also shares that you'll need to have access to your last name, your Social Security number, and your date of birth to complete this process. This article suggests that you reach out to Mastercard if you have any questions or if you require any assistance.

Top MasterCard customer service problems

Click the link above to get answers to just about any MasterCard customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to MasterCard, and their purpose. Are any of these similar to the reason you are trying to call?
Assistance with gift card: "I'd like for you to check and see if this card is now active and if it isn't, what can I do to get it going?"
- From a call lasting 11m 10s , May 4, 2024 7:09 PM
Transaction issue: "I had no one that I was using, but it got stolen, and it used to let me transfer money from my Direct Express card to my Cash App, but now every transaction is declined."
- From a call lasting 7m 57s , Apr 8, 2024 9:40 PM
Card blocked: "My card has been blocked and I need to find out how to unblock it."
- From a call lasting 9m 49s , Apr 2, 2024 3:51 PM
Report lost credit card: "I wanna report a Mastercard lost so I can cancel my credit card."
- From a call lasting 3m 42s , Mar 16, 2024 10:01 PM
Inquiry about insurance on flights: "She needs to cancel those tickets and wants to know if Mastercard has insurance for the airline tickets."
- From a call lasting 11m 34s , Jan 25, 2024 8:47 PM

More MasterCard Customer Service Contacts

There are of course other ways to contact MasterCard customer service besides the phone. Below we list the best ones, by medium.

MasterCard Customer Help Desk / Web Support

mastercard.us - Customer Service
Online customer service support
As a last, sometimes only, resort- MasterCard customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is MasterCard's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a MasterCard agent. This phone number is MasterCard's best phone number because 9,552 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-627-8372 include Account Access, Fraud, Lost or Stolen Card, Pay Bill, Dispute a Charge and other customer service issues. Rather than trying to call MasterCard first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, MasterCard has 1 phone number. It's not always clear what is the best way to talk to MasterCard representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for MasterCard. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like MasterCard. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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