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<?xml version="1.0" encoding="windows-1252"?> |
<xbrl xml:lang="en-US" xmlns="http://www.xbrl.org/2003/instance" xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:ma="http://www.mastercard.us/20240326" xmlns:us-gaap="http://fasb.org/us-gaap/2023" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xlink="http://www.w3.org/1999/xlink"> |
| <link:schemaRef xlink:href="ma-20240326.xsd" xlink:type="simple"/> |
| <context id="c-1"> |
| | <entity> |
| | | <identifier scheme="http://www.sec.gov/CIK"> 0001141391 </identifier> |
| | | </entity> |
| | <period> |
| | | <startDate> 2024-03-26 </startDate> |
| | | <endDate> 2024-03-26 </endDate> |
| | | </period> |
| | </context> |
| <context id="c-2"> |
| | <entity> |
| | | <identifier scheme="http://www.sec.gov/CIK"> 0001141391 </identifier> |
| | | <segment> |
| <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis"> us-gaap:CommonClassAMember </xbrldi:explicitMember> |
| </segment> |
| | | </entity> |
| | <period> |
| | | <startDate> 2024-03-26 </startDate> |
| | | <endDate> 2024-03-26 </endDate> |
| | | </period> |
| | </context> |
| <context id="c-3"> |
| | <entity> |
| | | <identifier scheme="http://www.sec.gov/CIK"> 0001141391 </identifier> |
| | | <segment> |
| <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis"> ma:TwoPointOnePercentNotesDue2027Member </xbrldi:explicitMember> |
| </segment> |
| | | </entity> |
| | <period> |
| | | <startDate> 2024-03-26 </startDate> |
| | | <endDate> 2024-03-26 </endDate> |
| | | </period> |
| | </context> |
| <context id="c-4"> |
| | <entity> |
| | | <identifier scheme="http://www.sec.gov/CIK"> 0001141391 </identifier> |
| | | <segment> |
| <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis"> ma:A10NotesDue2029Member </xbrldi:explicitMember> |
| </segment> |
| | | </entity> |
| | <period> |
| | | <startDate> 2024-03-26 </startDate> |
| | | <endDate> 2024-03-26 </endDate> |
| | | </period> |
| | </context> |
| <context id="c-5"> |
| | <entity> |
| | | <identifier scheme="http://www.sec.gov/CIK"> 0001141391 </identifier> |
| | | <segment> |
| <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis"> ma:TwoPointFivePercentNotesDue2030Member </xbrldi:explicitMember> |
| </segment> |
| | | </entity> |
| | <period> |
| | | <startDate> 2024-03-26 </startDate> |
| | | <endDate> 2024-03-26 </endDate> |
| | | </period> |
| | </context> |
| <dei:AmendmentFlag contextRef="c-1" id="f-30"> false </dei:AmendmentFlag> |
| <dei:EntityCentralIndexKey contextRef="c-1" id="f-31"> 0001141391 </dei:EntityCentralIndexKey> |
| <dei:DocumentType contextRef="c-1" id="f-1"> 8-K </dei:DocumentType> |
| <dei:DocumentPeriodEndDate contextRef="c-1" id="f-2"> 2024-03-26 </dei:DocumentPeriodEndDate> |
| <dei:EntityRegistrantName contextRef="c-1" id="f-3"> Mastercard Incorporated </dei:EntityRegistrantName> |
| <dei:EntityIncorporationStateCountryCode contextRef="c-1" id="f-4"> DE </dei:EntityIncorporationStateCountryCode> |
| <dei:EntityFileNumber contextRef="c-1" id="f-5"> 001-32877 </dei:EntityFileNumber> |
| <dei:EntityTaxIdentificationNumber contextRef="c-1" id="f-6"> 13-4172551 </dei:EntityTaxIdentificationNumber> |
| <dei:EntityAddressAddressLine1 contextRef="c-1" id="f-7"> 2000 Purchase Street </dei:EntityAddressAddressLine1> |
| <dei:EntityAddressPostalZipCode contextRef="c-1" id="f-8"> 10577 </dei:EntityAddressPostalZipCode> |
| <dei:EntityAddressCityOrTown contextRef="c-1" id="f-9"> Purchase, </dei:EntityAddressCityOrTown> |
| <dei:EntityAddressStateOrProvince contextRef="c-1" id="f-10"> NY </dei:EntityAddressStateOrProvince> |
| <dei:CityAreaCode contextRef="c-1" id="f-11"> (914) </dei:CityAreaCode> |
| <dei:LocalPhoneNumber contextRef="c-1" id="f-12"> 249-2000 </dei:LocalPhoneNumber> |
| <dei:WrittenCommunications contextRef="c-1" id="f-13"> false </dei:WrittenCommunications> |
| <dei:SolicitingMaterial contextRef="c-1" id="f-14"> false </dei:SolicitingMaterial> |
| <dei:PreCommencementTenderOffer contextRef="c-1" id="f-15"> false </dei:PreCommencementTenderOffer> |
| <dei:PreCommencementIssuerTenderOffer contextRef="c-1" id="f-16"> false </dei:PreCommencementIssuerTenderOffer> |
| <dei:Security12bTitle contextRef="c-2" id="f-17"> Class A common stock </dei:Security12bTitle> |
| <dei:TradingSymbol contextRef="c-2" id="f-18"> MA </dei:TradingSymbol> |
| <dei:SecurityExchangeName contextRef="c-2" id="f-19"> NYSE </dei:SecurityExchangeName> |
| <dei:Security12bTitle contextRef="c-3" id="f-20"> 2.1% Notes due 2027 </dei:Security12bTitle> |
| <dei:TradingSymbol contextRef="c-3" id="f-21"> MA27 </dei:TradingSymbol> |
| <dei:SecurityExchangeName contextRef="c-3" id="f-22"> NYSE </dei:SecurityExchangeName> |
| <dei:Security12bTitle contextRef="c-4" id="f-23"> 1.0% Notes due 2029 </dei:Security12bTitle> |
| <dei:TradingSymbol contextRef="c-4" id="f-24"> MA29A </dei:TradingSymbol> |
| <dei:SecurityExchangeName contextRef="c-4" id="f-25"> NYSE </dei:SecurityExchangeName> |
| <dei:Security12bTitle contextRef="c-5" id="f-26"> 2.5% Notes due 2030 </dei:Security12bTitle> |
| <dei:TradingSymbol contextRef="c-5" id="f-27"> MA30 </dei:TradingSymbol> |
| <dei:SecurityExchangeName contextRef="c-5" id="f-28"> NYSE </dei:SecurityExchangeName> |
| <dei:EntityEmergingGrowthCompany contextRef="c-1" id="f-29"> false </dei:EntityEmergingGrowthCompany> |
| </xbrl> |