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What if I do not want to receive marketing emails from Click to Pay? Your consumers may need to provide a one-time verification code to access their Mastercard Click to Pay profile. Mastercard establishes its interchange rates, which are a necessary and efficient method by which Mastercard maintains a vibrant payments network. We recommend you keep a list of billers that you pay automatically so you can efficiently update this information when necessary. What's an acquirer and why do we need one?