What is MasterCard® SecureCode™?
How does MasterCard® SecureCode™ work?
What steps do I need to take to support MasterCard® SecureCode™?
How do I benefit from using MasterCard® SecureCode™ on my website?
Is MasterCard® SecureCode™ easy for online shoppers to use?
Does MasterCard® SecureCode™ also support Maestro® cards?
How do I find a certified MasterCard® SecureCode™ vendor?
Once I implement MasterCard® SecureCode™, how do I test my site?
Am I required to display the MasterCard® SecureCode™ programme mark (logo) on my site?
How do I download the MasterCard® SecureCode™ mark?
As a participating merchant, will I be listed on the MasterCard® SecureCode™ consumer website?
Q: What is MasterCard® SecureCode™?
A: MasterCard® SecureCode™ is a programme designed to provide online retailers with the added security of having issuing banks authenticate their individual cardholders and qualify their online transactions for protection against "cardholder unauthorised" or "cardholder not recognised" chargebacks.
Q: How does MasterCard® SecureCode™ work?
A:
When a cardholder submits their online order at a participating
merchant, the MasterCard® SecureCode™ solution performs the following to
ensure that the cardholder is authorised to make this transaction:
- It initiates a pop-up window from the card issuer prompting the cardholder to enter their unique personal code.
- The issuer validates the personal code and approves the transaction.
Q: What steps do I need to take to support MasterCard® SecureCode™?
A:
Programming to support MasterCard® SecureCode™ may already be available
through your acquirer. As an online retailer, all you need to do is:
- Contact your acquirer to confirm that they support the MasterCard® SecureCode™ programme. If they do not, please send an e-mail to: securecodemerchant@mastercard.com.
- Install a MasterCard® SecureCode™ compliant "plug-in" application on your site.
- Test your site with MasterCard® to ensure that SecureCode™ is working properly.
- Display the MasterCard® SecureCode™ mark to let your customers know that you are working to secure internet shopping.
- Transmit transaction authentication values to the card issuer via your normal authorisation process using the Universal Cardholder Authentication Field (UCAF).
Q: How do I benefit from using MasterCard® SecureCode™ on my website?
A:
- Protection from "cardholder unauthorised" chargebacks for fully compliant transactions. Such protection is designed to reduce your chargeback exposure and processing expenses.
- Consumer confidence increases, making customers more likely to make a purchase on your website.
- You expand the geographic reach of your business by selling to customers in countries where online debit cards are used more widely than credit cards. In addition to added protection against chargebacks for these customers, you will be able to process their Maestro® debit transactions.
- You can attract new customers by advertising for free on the MasterCard® consumer website. Want to see how listings appear? View the merchant advertising page on the MasterCard® consumer website.
Q: Is MasterCard® SecureCode™ easy for online shoppers to use?
A: Yes. Cardholders simply enter their private MasterCard® SecureCode™ in a pop-up window provided by their card issuer on their PC before their online transaction can be completed. The card issuer is responsible for validating and safekeeping this code.
Q: Does MasterCard® SecureCode™ also support Maestro cards?
A: Yes. MasterCard® SecureCode™ provides a new way for issuers to support Maestro debit transactions over the internet. This allows more cross-border transactions with merchants in countries where debit is more established than credit.
Q: How do I find a certified MasterCard® SecureCode™ vendor?
A: A current list of certified compliant MasterCard® SecureCode™ vendors is available on the MasterCard® Merchant website.
Q: Once I implement MasterCard® SecureCode™, how do I test my site?
A: Contact your transaction provider when you are ready to test your site.
Q: Am I required to display the MasterCard® SecureCode™ programme mark (logo) on my site?
A: Yes. Once you have successfully completed testing, MasterCard® will provide you with the MasterCard® SecureCode™ mark to display on your website in accordance with MasterCard® guidelines. This lets customers know you are doing your part to make their transactions safer.
Q: How do I download the MasterCard® SecureCode™ mark?
A: Once you have completed compliance testing, MasterCard® will provide you with a MasterCard® SecureCode™ programme identifier.