Mastercard Incorporated operates a global digital payment network enabling retail and commercial transactions for millions of merchants and financial institutions.
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Mastercard reports declining operational emissions and exceeds interim climate targets, but operates as critical infrastructure for fossil-fuel commerce without restrictions. The company funds trade associations actively opposing climate policy, and lacks quantified nature and water accounting. Renewable energy and SBTi targets are offset by structural enablement of high-emission sectors.
Mastercard Incorporated scores 52/100 (Making progress) on SINK's independent climate assessment, scored from public data only. Fees pay for the review, never the result. Last verified May 2026.
That places Mastercard Incorporated joint 105th of 847 companies scored, and joint 4th of 51 in Financial Services / Banking.
Where Mastercard Incorporated sits among financial services / banking peers.
Among the 51 major financial services / banking brands we've scored, Mastercard Incorporated is tied =4th of 51, with 1 other.
Its three lowest-scoring questions, and what the evidence didn't show.
Mastercard operates as essential duopoly infrastructure (with Visa) for fossil-sector commerce without restrictions, meeting all four criteria for structural enablement deduction.
No TNFD-aligned disclosure, no verified permanence data, no quantified nature footprint assessment published.
No quantified consumption figures, formal reduction targets, or independently verified stewardship programme published.
A score changes when the evidence does. We use new published evidence at the next rescore. Evidence that isn't public can count through an evidence review.
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Get in touch →Strongest on Carbon Footprint — Operations and Energy Source (8/10, 8/10). Weakest on Controversies & Red Flags and Nature & Biodiversity Impact (1/10, 4/10).
The 3 companies in the sector scoring nearest above Mastercard Incorporated.
Triodos leads on financed emissions disclosure (100% PCAF coverage since 2019) and rejected net-zero greenwashing by leaving the NZBA.
See the breakdown →LSEG publishes detailed carbon and resource data with third-party assurance, but Scope 3 lacks binding absolute targets for its largest emission source (purchased goods, 78% of total).
See the breakdown →The formula and all 12 sources.
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × Scale12 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
9 of 12 sources are independent of the company.
If you believe a source has been misread or a newer version exists, submit a challenge.
Mastercard Incorporated operates a global digital payment network enabling retail and commercial transactions for millions of merchants and financial institutions. Headquartered in Purchase, New York, with 39,800 employees and $32.8B in FY2025 revenue, it forms a duopoly with Visa in card network infrastructure across all economic sectors.
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