Mastercard® SecureCode™

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 unauthorised purchases.

Mastercard SecureCode is initiated on a retailer’s website and interacts with both the cardholder and their card issuer. When your customer comes to pay, a pop-up window appears asking them to enter a unique, personal code that has been registered with their bank. The bank then authenticates the cardholder performing the transaction and provides the electronic retailer explicit evidence of the online purchase.Need more help? Email

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 unauthorised" (the cardholder denies making the transaction). Mastercard SecureCode enables electronic retailers to reduce chargeback and fraud costs.
  • 70% of consumers surveyed by Mastercard say they are concerned with security and fraud issues. Mastercard SecureCode raises cardholder confidence when shopping online.
  • 73% of consumers state that enhanced security would influence their decision to purchase online. Mastercard SecureCode encourages online shopping.
  • 31% of consumers are concerned that their payment card number will be intercepted by hackers.
  • Mastercard SecureCode makes accepting cards from other countries easier and less risky – helping electronic retailers move into new markets.
  • Retailers who are Mastercard SecureCode enabled can be listed on the Mastercard Personal Cards website,, for free.