You’re correct, the transactional part is true, but MasterCard is following a relatively basic process: 1. Authenticate the transaction (is this ‘uber’ Company

You’re correct, the transactional part is true, but MasterCard is following a relatively basic process: 1. Authenticate the transaction (is this ‘uber’ Company ok and is it reasonable this user is using it for fraud detection) 2. Check that the users balance + the cost of the trip < the users credit limit 3. Post the change to a transaction log 4. Some hours/days later, finalize the pending transactions. That’s a whole lot simpler (outside of fraud detection) than what Uber has to do to get you from A to B. *edited for formatting