Mastercard has launched On-Demand Decisioning (ODD), a new solution that allows financial institutions to set customized rules for transaction approvals directly on the Mastercard network. Announced at the company’s RiskX summit in Rome, the tool is designed to improve authorization accuracy, reduce unnecessary declines, and enhance the overall payment experience for merchants and consumers.
The fully customizable system lets issuers automate business logic to deliver instant approvals or declines, with the option for Mastercard to proactively respond or adjust decisions before passing them to merchants. Early adopters, including Porto Bank, reported improved authorization strategies and customer experience with minimal operational risk.

ODD will be available globally starting October 11, except in India.