| Metric | Mastercard | Shop Pay | Winner |
|---|---|---|---|
| Performance | 41 | 29 | Mastercard |
| Accessibility | 83 | 87 | Shop Pay |
| Best Practices | 91 | 81 | Mastercard |
| SEO | 93 | 92 | Mastercard |
| Security | 76 | 72 | Mastercard |
| TTFB | 273ms | 226ms | Shop Pay |
| Composite | 75 | 73 | Mastercard |
Mastercard outperforms Shop Pay in 5 of 7 categories, with a stronger composite score (75 vs 73). Shop Pay leads in accessibility, TTFB.
Choose Mastercard when your primary concern is performance and best practices. Its audit data shows consistent strength in these areas across the sampled sites.
Choose Shop Pay when your primary concern is server response time and accessibility. Its audit data shows consistent strength in these areas across the sampled sites.
Scores are medians across 6 audited Mastercard sites and 45 audited Shop Pay sites in the BeaverCheck database. Every audit runs the same 100+ checks — Lighthouse performance, security headers, accessibility, SEO, server response time — against a real URL. No vendor input, no sponsorship, no affiliate links. Read the full methodology →
Small sample: one or both technologies have fewer than 10 audited sites. Treat these numbers as directional — medians stabilize around 20–30 audits per side.
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