SecureCode FAQ

Learn more about MasterCard® SecureCode. Use the links below to jump to specific topic areas.

About MasterCard SecureCode
Sign Up for MasterCard SecureCode
Shopping with MasterCard SecureCode
Security and Privacy

About MasterCard SecureCode

Q: What is MasterCard® SecureCode?

A: MasterCard SecureCode is a new service that enhances your existing MasterCard card. A private code gives added protection against unauthorized use of your card when you shop at participating online merchants.

Q: How does MasterCard SecureCode work?

A: Once you've registered and created your own private SecureCode, you will be automatically prompted by your card issuer to type in your SecureCode each time you make a purchase at participating online stores/retailers. Then your SecureCode will be quickly confirmed by your card issuer to complete your purchase. Your SecureCode will never be shared with the store/retailer and using it is as easy as entering your PIN at an ATM.

Q: How does MasterCard SecureCode protect me?

A: Correctly entering your SecureCode during a purchase at a participating online store/retailer, confirms that you are the authorized cardholder. If an incorrect SecureCode is entered, the purchase will not be completed. Even if someone knows your credit or debit card number, the purchase cannot be completed without your SecureCode at a participating store/retailer.

Q: What are the system requirements for MasterCard SecureCode?

A: MasterCard SecureCode works with most browsers. Please be aware that software which prevents pop-up windows may interfere with your use of SecureCode.

Sign Up for MasterCard SecureCode

Q: What card do I use? Will I need to get a new card to use MasterCard SecureCode?

A: You will be able to use any of your existing MasterCard credit or debit cards, as long as the cards are from a participating card issuer. If you're not sure if your card issuer provides this service, please review our list of participating card issuers. If you don't see your card issuer listed, they may be planning to offer SecureCode in the near future, so check back frequently.

Q: How many cards can I register with MasterCard SecureCode?

A: We encourage you to register all of your MasterCard cards. There is no limit on how many cards you can register.

Shopping with MasterCard SecureCode

Q: How do I know whether a merchant participates in SecureCode?

A: Most participating stores/retailers will display the MasterCard SecureCode logo on their site. However, even if you don't see the SecureCode logo, the merchant may still offer SecureCode protection and you will be prompted to provide your SecureCode.

Q: How will the online store know that I'm registered for MasterCard SecureCode?

A: When you use a card that is protected with MasterCard SecureCode, the store/retailer automatically recognizes your MasterCard card number during the transaction.

Q: What happens when I use my SecureCode at a participating merchant?

A: There is no need to log-in or sign-in. When you make a purchase at a participating store/retailer and enter your registered MasterCard payment details, you will automatically be prompted by your card issuer to enter your SecureCode. After reviewing the details of your purchase and confirming that your Personal Greeting is correct, simply type in your SecureCode to complete your purchase.

Q: What is a Personal Greeting?

A: The Personal Greeting is a message that you create during sign-up. Each time you make an online purchase at a participating store/retailer, you will be prompted to enter your SecureCode. At this time, you'll see your Personal Greeting and other purchase details. The Personal Greeting is your assurance that you are communicating with your card issuer. If the Personal Greeting displayed in the pop-up box is incorrect, you should not enter your SecureCode, but should instead contact Customer Service immediately by calling the phone number on the back of your MasterCard card, to report a possible fraud.

Q: How will SecureCode change the online purchase process?

A: The online purchase process will not change except that now you will be prompted to provide your SecureCode at the checkout. Your SecureCode will never be revealed to the store/retailer.

Q: Will I be able to make purchases at stores that accept MasterCard but do not offer the MasterCard SecureCode facility?

A: Yes, you will not be asked for your SecureCode during these purchases.

Q: I am a merchant who would like to offer SecureCode to my customers. How do I get more information?

A: For information on participating in the MasterCard SecureCode service please visit www.securecodemerchant.com

Security and Privacy

Q: Where can I view the MasterCard SecureCode Terms and Conditions?

A: Please visit your card issuer's website for the Terms and Conditions specific to your card.

Q: Where can I review the privacy policy?

A: Please visit your card issue's website to review the privacy policy specific to your card.