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.
How does MasterCard SecureCode work? Once you’ve registered and created your own private 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.
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.
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.
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.