MasterCard® SecureCodeTM


Your tools for security success

Working together to make Internet shopping safer for you and your customers

Electronic retailers face unique challenges in accepting cards for payment in the e-commerce environment. Unlike the physical world, there’s no signed sales receipt online and therefore no definitive way for a merchant to dispute a cardholder claim that a purchase wasn’t made. Now, with MasterCard SecureCode, there is a way to protect electronic retailers from unauthorized purchases.

MasterCard SecureCode is initiated on a retailer’s Web site and interacts with both the cardholder and their card issuer. When your customers check out, an in-line window appears asking them to enter a unique, personal code that has been registered with their bank. The bank then authenticates the cardholder and provides the electronic retailer evidence of the online purchase.

A Clear Business Case

The business case for electronic retailers to offer MasterCard SecureCode protection to customers is compelling.

  • 60% of e-commerce chargebacks are "cardholder unauthorized" (the cardholder denies making the transaction). MasterCard SecureCode enables electronic retailers to reduce chargeback and fraud costs.
  • 44% of consumers indicated having SecureCode would increase their likelihood of buying more online.*
  • MasterCard SecureCode makes accepting cards from other countries easier and less risky—helping electronic retailers move into new markets.
  • Retailers who are enabled with MasterCard SecureCode can be listed on the MasterCard Consumer Web site,, for free.

*MasterCard Worldwide Consumer Research