EXHIBIT 3.1A

                              AMENDED AND RESTATED
                          CERTIFICATE OF INCORPORATION
                                       OF
                            MASTERCARD INCORPORATED

     THE UNDERSIGNED, for the purpose of forming a corporation pursuant to
Section 102 of the Delaware General Corporation Law (the "DGCL"), does hereby
certify the following:

     FIRST: The name of the corporation is MasterCard Incorporated (the
"Corporation").

     SECOND: The address of the registered office of the Corporation in the
State of Delaware is 100 West Tenth Street, City of Wilmington, County of New
Castle, and the name of the registered agent of the Corporation in the State of
Delaware at that address is The Corporation Trust Company.

     THIRD: The purpose of the Corporation is to engage in any lawful act or
activity for which corporations may be organized under the DGCL.

     FOURTH: The name and mailing address of the Sole Incorporator is Noah J.
Hanft, 2000 Purchase Street, Purchase, New York 10577.

     FIFTH: The Corporation shall have the authority to issue shares of common
stock, $.01 par value per share, in three classes, all of which shall be
nonassessable: Class A Common Stock ("Class A Stock"), Class B Common Stock
("Class B Stock") and Class C Common Stock ("Class C Stock" and, together with
the Class A Stock and the Class B Stock, the "Common Stock"). The number of
shares of Class A Stock that the Corporation may issue is limited to 275
million. The number of shares of Class B Stock that the Corporation may issue is
limited to 25 million. The number of shares of Class C Stock that the
Corporation may issue is limited to 75 million.

     1. Class A Stock and Class B Stock.  The Class A Stock and the Class B
Stock and the holders thereof shall have the rights, preferences and privileges
and be subject to the restrictions set forth below.

          a. The shares of Class A Stock and the shares of Class B Stock shall
     participate equally in any dividends declared by the Corporation's board of
     directors (the "Board").

          b. (i) Each share of Class B Stock (other than a share of Class B
     Stock that constitutes a share of "ec Picto Stock," as that term is defined
     in the Share Exchange and Integration Agreement, dated as of             ,
     2002, by and among the Corporation, MasterCard International Incorporated
     ("MCI") and Europay International S.A. (as amended, modified, supplemented
     or restated from time to time, the "Integration Agreement")) shall
     automatically be converted into one share of Class A Stock, without further
     action by the Corporation or the holder of the share, at the close of
     business New York City time, on the Transition Date (as defined in the
     Integration Agreement); provided, however, that if such date is not a day
     on which banks in New York City are open for business, then the conversion
     shall take place at the close of business, New York City time, on the next
     date on which banks in New York City are open for business (the "First
     Conversion Date"). Each share of ec Picto Stock shall automatically be
     converted into one share of Class A Stock at the close of business, New
     York City time, on the second anniversary of the First Conversion Date;
     provided, however, that if such date is not a day on which banks in New
     York City are open for business, then the conversion shall take place at
     the close of business, New York City time, on the next date on which banks
     in New York City are open for business.

          (ii) The Corporation shall at all times reserve and keep available out
     of its authorized but unissued shares of Class A Stock solely for the
     purpose of effecting the conversion of Class B Stock such number of shares
     of Class A Stock as shall from time to time be sufficient to effect the
     conversion of all outstanding shares of Class B Stock.

          (iii) Upon the conversion of any shares of Class B Stock, the shares
     of Class B Stock so converted shall be cancelled and shall no longer be
     issuable by the Corporation.


          c. (i) Except as otherwise provided in this paragraph, the holders of
     Class A Stock shall have the right to one vote for each share of Class A
     Stock held by them and, prior to and including the Transition Date, the
     holders of Class B Stock shall have the right to one vote for each share of
     Class B Stock held by them. The Class B Stock shall have no voting rights
     following the Transition Date.

          (ii) In any vote for the election of directors of the Corporation, no
     holder of capital stock eligible to be voted in that election, together
     with its Affiliates (as defined below), shall be entitled to exercise
     voting power in excess of 7% (the "Percentage Voting Limitation") of the
     outstanding shares of capital stock entitled to be voted in that election.
     At any time following the Transition Date, either the Board, by the
     affirmative vote of not less than a majority of the entire Board, or the
     stockholders, by a resolution approved by the affirmative vote of the
     holders of not less than a majority of the outstanding shares of Class A
     Stock, may amend, modify or delete the Percentage Voting Limitation;
     provided, however, that the affirmative vote of at least 75% of the members
     of the Board present at a meeting at which a quorum is present shall be
     required to increase the Percentage Voting Limitation to an amount greater
     than 15%. This paragraph (1)(c)(ii) of Article FIFTH shall not be amended,
     modified or deleted without the approval of at least 75% of the members of
     the Board present at a meeting at which a quorum is present and the
     approval of at least a majority of the outstanding shares of Class A Stock
     (or, prior to and including the Transition Date, the holders of not less
     than a majority of the outstanding shares of Class A Stock and of Class B
     Stock, voting together as a single class). The term "Affiliate", as used in
     this Certificate of Incorporation, shall mean any direct or indirect parent
     entity of the holders of Class A Stock (or, prior to and including the
     Transition Date, the holders of Class A Stock and/or Class B Stock), and
     any direct or indirect majority-owned subsidiary of any such holder or any
     of its parents.

          d. The Corporation shall not issue any Class B Stock except in
     accordance with the provisions of Sections 1.1, 1.2, 1.3 and 1.4 of the
     Integration Agreement.

          e. Shares of Class A Stock and Class B Stock may be redeemed by the
     Corporation in order to effectuate any reallocation of shares among the
     stockholders in accordance with Sections 1.3 and 1.4 of the Integration
     Agreement.

     2. Class C Stock.  The Class C Stock may be issued from time to time in one
or more series, each of which will have such voting powers (or no voting
powers), designations, preferences and relative, participating, optional or
other special rights, and qualifications or restrictions of those powers,
preferences or rights, as are stated in the resolution or resolutions of the
Board providing for the issuance of the series; provided, however, that in no
event shall any shares of Class C Stock be entitled to voting rights, rights to
dividends or rights to participate in a liquidation that are greater than the
corresponding rights of the Class A Stock. The rights which the Board may (but
will not be required to) give to the holders of one or more series of Class C
Stock will include, but not be limited to, (a) the right to receive dividends at
such rates, on such conditions and at such times, as may be stated in the
resolution or resolutions providing for the issuance of the series, (b) such
rights upon the dissolution of the Corporation as may be stated in the
resolution or resolutions providing for the issuance of the series and (c) such
rights to convert shares of the series into, or exchange shares of the series
for, shares of any other class or classes or any other series of the same or any
other class of stock of the Corporation, as may be stated in the resolution or
resolutions providing for the issuance of the series.

     SIXTH: The Corporation shall not, without first obtaining (i) the approval
of at least 75% of the members of the Board present at a meeting at which a
quorum is present and (ii) the approval of the holders of not less than a
majority of the outstanding shares of Class A Stock (or, prior to and including
the Transition Date, the holders of not less than a majority of the outstanding
shares of Class A Stock and Class B Stock, voting together as a single class):

          a. (i) alter the Corporation's status as a stock corporation; (ii)
     amend this Certificate of Incorporation to authorize the Corporation to
     issue any stock other than Class A Stock, Class B Stock or Class C Stock;
     (iii) sell, lease or exchange all or substantially all of the assets of the
     Corporation or approve the sale, lease or exchange of all or substantially
     all of the assets of MCI; (iii) consummate any merger or consolidation of
     the Corporation or MCI with another corporation; or (iv) undertake an
     initial public offering of any class of the Corporation's equity
     securities;

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          b. in its capacity as the Class B member of MCI, consent to any
     proposed amendment to (i) Article FIFTH of the certificate of incorporation
     of MCI as in effect from and after             , 2002, (ii) Article SEVENTH
     of the certificate of incorporation of MCI as in effect from and after
                 , 2002, (iii) Article NINTH, Section (b) of the certificate of
     incorporation of MCI as in effect from and after             , 2002 or (iv)
     Article VI, Section 4(b) of the bylaws of MCI as in effect from and after
                 , 2002; or


          c. amend, modify or delete this Article SIXTH.

     SEVENTH: The Corporation shall not:

          a. issue shares of Class C Stock without first obtaining the approval
     of at least two-thirds of the members of the Board present at a meeting at
     which a quorum is present; provided, however, that if an issuance of shares
     of Class C Stock, when taken together with all other issuances of shares of
     Class C Stock made during the immediately preceding two years, represent
     greater than 5% of the number of shares of Class A Stock and Class B Stock
     outstanding before giving effect to that issuance, then the issuance of
     Class C Stock shall not be made without the prior approval of at least 75%
     of the members of the Board present at a meeting at which a quorum is
     present; provided, further, that the affirmative vote of at least 75% of
     the members of the Board present at a meeting at which a quorum is present
     shall be required to issue any shares of Class C Stock with voting rights;

          b. permit any stockholder of the Corporation (together with its
     Affiliates) to own shares of capital stock representing more than 15% of
     the outstanding shares of voting stock of the Corporation without the
     approval of at least two-thirds of the members of the Board present at a
     meeting at which a quorum is present;

          c. amend, modify or delete clause (a) of this Article SEVENTH and this
     clause (c) without the approval of at least 75% of the members of the Board
     present at a meeting at which a quorum is present and the approval of the
     holders of not less than a majority of the outstanding shares of Class A
     Stock (or, prior to and including the Transition Date, the holders of not
     less than a majority of the outstanding shares of Class A Stock and Class B
     Stock, voting together as a single class); or

          d. amend, modify or delete clause (b) of this Article SEVENTH and this
     clause (d) without the approval of at least two-thirds of the members of
     the Board present at a meeting at which a quorum is present and the
     approval of the holders of not less than a majority of the outstanding
     shares of Class A Stock (or, prior to and including the Transition Date,
     the holders of not less than a majority of the outstanding shares of Class
     A Stock and Class B Stock, voting together as a single class).


     EIGHTH: Unless the Board by the affirmative vote of at least 75% of its
members present at a meeting at which a quorum is present decides otherwise, (i)
in addition to the eligibility criteria for directors of the Corporation set
forth in the Bylaws of the Corporation as in effect from and after             ,
2002, no more than one-third of the number of members of the Board shall consist
of persons who are directors, officers or employees of, or consultants to,
stockholders designated as being part of a particular region of the Corporation;
and (ii) the Corporation shall not amend Section 2 of Article III of the Bylaws
of the Corporation as in effect from and after             , 2002. This Article
EIGHTH shall not be amended, modified or deleted without the approval of at
least 75% of the members of the Board present at a meeting at which a quorum is
present and the approval of the holders of not less than a majority of the
outstanding shares of Class A Stock (or, prior to and including the Transition
Date, the holders of not less than a majority of the outstanding shares of Class
A Stock and Class B Stock, voting together as a single class).


     NINTH: In furtherance and not in limitation of the powers conferred by
statute, the Board is expressly authorized to make, alter or repeal the bylaws
of the Corporation.

     TENTH: No director will have any personal liability to the Corporation or
its members for monetary damages for any breach of fiduciary duty as a director,
except (i) for any breach of the director's duty of

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loyalty to the Corporation, (ii) for acts or omissions not in good faith or that
involve intentional misconduct or a knowing violation of law, (iii) under
Section 174 of the DGCL or (iv) for any transaction from which the director
obtained an improper personal benefit.

     ELEVENTH: Pursuant to Section 211(e) of the DGCL, directors shall not be
required to be elected by written ballot.

     IN WITNESS WHEREOF, MasterCard Incorporated has caused this Amended and
Restated Certificate of Incorporation to be signed by its President and Chief
Executive Officer, and its corporate seal to be hereunto affixed and attested by
its Secretary, this      day of             , 2002.

                                          MASTERCARD INCORPORATED

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