MasterCard SecureCode

SecureCode FAQs:Frequently Asked Questions

SecureCode FAQ header image
What is MasterCard® SecureCode™?
MasterCard® SecureCode™ is a service to enhance your existing MasterCard® account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.
Back to Top
How does MasterCard® SecureCode™ work?
Once you've registered and created your own private static SecureCode™ or once you have been enrolled into the one-time SecureCode, you will be automatically prompted by your financial institution at checkout to provide your SecureCode™ each time you make a purchase with a participating online merchant. Your SecureCode™ is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode™ will never be shared with the merchant. It's just like entering your PIN at an ATM.
Back to Top
How does MasterCard® SecureCode™ protect me?
When you correctly enter your SecureCode™ during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. 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 merchant.
Back to Top
What card do I use? Will I need to get a new card to use MasterCard® SecureCode™?
You will be able to use any of your existing MasterCard® credit or debit cards, as long as the cards are from a participating Bank/ financial institution.
Back to Top
How do I know if my MasterCard credit or debit card account is enabled for SecureCode?
You can simply call your Bank / Financial Institution and ask if your credit or debit card account is enabled for SecureCode – for safe online transactions. In case your Bank / Financial Institution has enabled SecureCode, you may have to complete a one-time registration.
Back to Top
How many cards can I register with MasterCard® SecureCode™?
We encourage you to register all of your MasterCard® cards. There is no limit on how many cards you can register.
Back to Top
Can I use MasterCard® SecureCode™ from any computer?
Because there's no special software to install, you can shop from any computer meeting the system requirements outlined above and still receive the added protection afforded by MasterCard® SecureCode™.
Back to Top
What happens when my card expires or my billing information changes?
Your card issuer will automatically update this information in your profile.
Back to Top
What happens if I cancel my existing card then get a new one with a different account number?
You or Bank / Financial Institution will need to register the new card for MasterCard® SecureCode™.
Back to Top
How do I know whether a merchant participates in SecureCode™?
Most participating merchants will display the MasterCard® SecureCode™ logo on their site. However, even if you don't see the SecureCode™ logo, the merchant may still be a participant and you will be prompted to provide your SecureCode™.
Back to Top
How will the online merchant know that I'm registered for MasterCard® SecureCode™?
When you use a card that is enrolled in the MasterCard® SecureCode™ program and is being used to transact online at participating merchants, the servers automatically checks for enrollment and will prompt for a SecureCode password, if required.
Back to Top
What happens when I use my SecureCode™ at a participating merchant?
There is no need to login or sign in. When you make a purchase at a participating merchant and enter your registered MasterCard® payment details, you will automatically be prompted by your financial institution to enter your SecureCode™. After reviewing the details of your purchase and confirming your credentials, simply type in your SecureCode™ to complete your purchase.
Back to Top
What are the Secret Question and Answer?
Some Bank’s / Financial Institutions may set-up an alternate validation in case you have not yet signed up for SecureCode or If you forget your SecureCode™. In such cases, when making an online purchase, you could l be asked your Secret Question. If you then supply the correct Answer, your purchase will be completed. Once your purchase is completed, you should visit the registration site, click on the “Set-up Secure Code” or "Forgot SecureCode™" link and follow the subsequent instructions. This process depends on your Bank / Financial Institution.
Back to Top
How will SecureCode™ change the online purchase process?
The online purchase process will not change except that now you will be prompted to provide your SecureCode™ during checkout. Your SecureCode™ will never be revealed to the merchant during the checkout process. SecureCode ensures additional safety & security while making online transactions.
Back to Top
Will I be able to make purchases at merchants that accept MasterCard® but do not participate in the MasterCard® SecureCode™ program?
Yes you will be able to make purchases. However, you will not be asked for your SecureCode™ during these purchases. You will continue to be protected from unauthorized purchases with specific insurances* from MasterCard®.
Back to Top
Where can I view Terms and Conditions of the SecureCode™ program?
Please visit your Bank / Financial institution's Web site for the Terms and Conditions specific to your MasterCard credit or debit card account.
Back to Top
Questions not answered here
If you are experiencing problems with MasterCard® SecureCode™ you must contact the Bank / Financial institution that issued your MasterCard® to assist you with all SecureCode™ issues. Typically there is a customer service number for your Bank / Financial institution on the back of each card where you can call. Please understand that SecureCode™ is a voluntary program and not all Banks / Financial institutions participate.
Back to Top
*Terms & Conditions apply, Visit our Middle-East Insurance Page for more information.