Q: I'm a merchant. What is Mastercard SecureCode?
A:Mastercard SecureCode is a global program designed to provide online merchants with the added security of having issuing banks authenticate their cardholders when shopping.
- By particpating in SecureCode merchants can benefit from the liability shift (from merchant to issuer) which provides protection against "cardholder unauthorised" or "cardholder not recognised" chargebacks. Such protection is designed to reduce your chargeback exposure, losses and processing expenses.
- When you implement SecureCode, consumer confidence increases, making your customers more likely to make an online purchase from you.
Q: I'm a consumer. What is Mastercard SecureCode?
A:Mastercard SecureCode is a service to enhance your existing Mastercard credit card or debit card and gives you an additional layer of security that may protect you against unauthorised use of your card when you shop at participating online retailers. This service is provided by your card issuing bank.
Q: How does Mastercard SecureCode work?
A:SecureCode works with your existing Mastercard account and it is easy to use. SecureCode helps protect against unauthorised use of your card when you shop online.
Look for the SecureCode logo at participating merchants. When you make a purchase at a participating merchant, during the check out process you may be prompted by your card issuer to identify yourself to ensure you are the person making the transaction. You may receive an one-time code via text message or some other method. This information is not shared with the merchant, it is between you and your card issuer. Check with your card issuing financial institution to participate in SecureCode. They will provide you with the information needed to identify yourself during the purcahse.
Q: How does Mastercard SecureCode protect me?
A: When you correctly enter your SecureCode when making a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase will be completed. If an incorrect SecureCode is entered, the purchase will not go through.
Q: Will I have to get a new card to use 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 financial institution.
Q: How many cards can I register with SecureCode?
A: We encourage you to register all of your Mastercard cards. There is no limit to how many cards you can register.
Q: Can two people with a joint account use the same password or should they register for SecureCode separately?
A: Enrollment is at the account level so the password must be shared.
Q: What should I do if I can't remember my SecureCode?
A: You may be prompted to reset your SecureCode or you can contact the customer service number for your financial institution, which is typically found on the back of your card.
Q: What if my SecureCode fails or I receive an error message?
A: You should contact the customer service number for your financial institution, which is typically found on the back of your card. Tell the customer service representative the message that you received.
Q: What if I did not receive an SMS/Text message with my SecureCode PIN?
A: If your financial institution uses SMS/Text messages for SecureCode authentications, you will need to contact the customer service number for your financial institution, which is typically found on the back of your card.
Q: What happens when my card expires or my billing information changes?
A: Your card issuer will automatically update this information in your profile.
Q: What happens if I cancel my card and then get a new one with a different account number?
A: You will need to register the new card for SecureCode. Simply return to the registration site and complete the registration process with your new card.
Q: Once I implement SecureCode, how can I test my site?
Contact your transaction processor when you are ready to test your site.
Q: Is SecureCode easy for online shoppers to use?
A: Yes, SecureCode is intergrated as part of your checkout experience, shoppers may be requested to provide additional information to their card issuer during the checkout before their online transaction can be completed.
Q: How can I download the Mastercard SecureCode logo to place on my Web site?
A: Once you have completed compliance testing, Mastercard will provide you with a SecureCode program identifier.
Q: I'm a merchant, why should I offer Mastercard SecureCode?
A: By providing an option for customers to use SecureCode, you will gain protection from cardholder unauthorized chargebacks for fully compliant transactions. Such protection is designed to reduce your chargeback exposure and processing expenses.
And when you implement SecureCode, consumer confidence increases, making your customers more likely to make an online purchase from you. It can also help you to expand the geographic reach of your business by selling to customers in locations where online debit cards are more widely used than credit cards. In addition to added protection against chargebacks for these customers, you will also be able to process their Maestro debit transactions.
Q: How do I know whether a merchant participates in SecureCode?
A: Many participating merchants display the SecureCode brand mark. When you make a purchase at a participating online merchant, during the check out process you may be prompted by your card issuer to identify yourself to ensure you are the person making the transaction. This information is not shared with the merchant, it is between you and your card issuer.
Q: How will the online merchant know that I'm registered for SecureCode?
A: When you use a card that is enrolled in the SecureCode program at participating online merchants, the merchant automatically recognizes your Mastercard at the time of the transaction.
Q: What happens when I use my SecureCode at a participating merchant?
A: 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 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 merchant, you will be prompted to enter your SecureCode. At that time, you'll see your personal greeting and other purchase details. The personal greeting is your assurance that you are communicating with your financial institution.
If the personal greeting displayed in the pop-up box is incorrect, you should not enter your SecureCode. You should contact customer service immediately by calling the number on the back of your enrolled Mastercard, and report a possible fraud.
Q: How will SecureCode change the online purchase process?
A: The online purchase process will not change other than that you will be prompted to provide your SecureCode during checkout. Your SecureCode will never be revealed to the merchant during the checkout process.
Q: Will I be able to make purchases at merchants that accept Mastercard, but do not participate in SecureCode?
A:If you make a purchase at a merchant that does not participate in SecureCode, you will continue to be protected from unauthorised purchases by Zero Liability from Mastercard. Certain restriction may apply.
Q: What should I do if I am experiencing any problems?
A: If you are experiencing problems with SecureCode please contact your Financial Institution.
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 Mastercard SecureCode, please visit SecureCode Merchant.
Q: How is SecureCode different from Zero Liability?
A: Using Mastercard SecureCode provides added security to prevent your card from unauthorized use. Exceptions apply. Zero Liability provides coverage if your card has been used fraudulently.
Q: Where can I view terms and conditions for SecureCode?
A: Please visit your financial institution's Web site for the terms and conditions specific to your card.
Q: Questions not answered here?
A: If your question is not listed, we recommend that you contact the financial institution that issued your account as only they hold information specific to your account. Typically, there is a customer service number for your financial institution on the back of the card.
Q: How does Mastercard SecureCode work?
A: When a cardholder submits their online order at a participating merchant, Mastercard SecureCode performs the following to ensure that the cardholder is authorized to make this transaction:
- Initiates an in-line 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: Does Mastercard SecureCode also support cards with the Maestro brand?
A: Yes. Mastercard SecureCode provides a way for issuers to support Maestro debit transactions online, which enables cross-border transactions with merchants in locations where debit is more established than credit.
Q: Am I required to display the Mastercard SecureCode program logo on my site?
A: Yes. This lets customers know you are doing your part to help improve the safety of their transactions.
The SecureCode program identifier is available on the Mastercard Brand Center. Download artwork
Q: Who do I contact for assistance with Mastercard SecureCode?
A: If have a Mastercard SecureCode, you must contact the financial institution that issued your Mastercard if you encounter any issues.