Mastercard® SecureCode™

Enhanced security
for online shopping

Mastercard SecureCode

Added protection that keeps transactions private

Mastercard® SecureCode™ is a private code for your Mastercard credit & debit cards that you can use when you're shopping online. Mastercard SecureCode makes online transactions safer, more secure. Only you and your financial institution know what your code is – retailers aren't able to see it. With Mastercard SecureCode, each of your online transaction is independently approved every time.

Accepted all over the web

More than 575,000 online retailers support transactions made with SecureCode. Look for the logo when you're providing your payment information. Mastercard®, the best way to pay on the internet.



SecureCode works with your existing Mastercard account, requires no download, and it's easy to activate and to use. Do note that Mastercard® SecureCode™ has to be offered by your financial institution for you as a cardholder to use.

Please contact your financial institution to check if your Mastercard credit or debit card is enabled for Mastercard SecureCode.

Read FAQ's about Mastercard SecureCode

More information about SecureCode

SecureCode is Mastercard’s solution for making online payments safer and more secure. It complies with all the requirements of 3D Secure – the industry protocol for online transactions.

Your Bank / Financial institution may set-up SecureCode in two ways:

  1. Static Password
  2. One Time Password (OTP)

A. HOW IT WORKS - Creating a Static Password

In this set-up, the cardholder sets up a unique password for their Mastercard credit or debit card. At the time of an online transaction and as per the merchant requirement, the system asks for a unique password to ensure the transaction is genuine. At this time, the cardholder inputs this unique password that was set up earlier. Since the unique password is not known to anyone else, the transaction is safer and more secure.

In case the password provided is incorrect, the transaction will be declined.

The cardholder can reset / change the unique password by contacting their Bank / Financial Institution.

The entire password management is under a robust secure environment managed by the Bank / Financial institution. The cardholder must remember to never share or provide the password to anyone. They must carefully read and comply with the guidelines provided by their Bank / Financial Institution.

Step One


Some Banks / Financial Institutions may require the cardholder to sign-up / register for SecureCode. In such cases, click the "Sign Up Now" button on your Bank’s / Financial Institution’s Website and create your private code - known only to you and your Issuer - and use it every time you shop online at a participating merchant.

Step Two


To enroll for SecureCode, you will be asked to confirm your identity by providing answers to your Bank / Financial Institutions’s security questions. This could also be a process as you log in to your Bank / Financial Institution’s Internet Banking (Web / Online Banking) site.

Step Three


In just a few simple steps your enrollment is complete and you are ready to begin shopping online with your new SecureCode.

Step Four


If you lose or forget the SecureCode, you can reset / change the unique code by contacting your Bank / Financial Institution. Please do immediately contact them via any of the channels available. Do remember not to provide this code to anyone.

Step Two


You will be asked to create your secure code.

B. HOW IT WORKS - One-time Password (OTP)

Your Bank / Financial Institution may offer SecureCode via a One Time Password. For every online transaction that requires SecureCode, your Bank / Financial Institution will generate and send you a unique password. This will be sent to you via SMS or an email or both to your registered mobile number or email address maintained in your Bank / Financial Institution’s records. You will get a unique OTP every time you use your credit or debit Mastercard card at a participating merchant.

Your Bank / Financial Institution may require you to sign-up / register for the OTP SecureCode. This will be a one time action but will make your online transactions safer, more secure.

The following illustrate the online transaction steps using OTP:

Step One


Use your Mastercard every time you shop online at a participating merchant and enter your card details during checkout.

Step Two


After entering your Mastercard® details, you will receive an unique password via SMS or email from your enrolled financial institution. You will be taken to a new window where you will be asked to input your SecureCode password.

Step Three


Enter the one-time password into the additional screen.

Step Four


After entering your SecureCode, your transaction will be authorized and you will be taken back to the participating merchants page.

Please note that while many financial institutions offer SecureCode (either Static SecureCode or One-time SecureCode), not all offer this service. New institutions are being added often.