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Frequently Asked Questions

MasterCard®SecureCode™ Frequently Asked Questions
This section offers additional information and details about MasterCard SecureCode.

General questions

What is the MasterCard SecureCode service?

MasterCard SecureCode is a new service offered by Capital One in partnership with MasterCard®. This service offers secure Internet shopping, using your preferred form of Internet payment - the credit card. MasterCard SecureCode lets you add a personal SecureCode™ to your existing Capital One card. The requirement of your SecureCode helps prevent unauthorized usage of your card on the Internet, giving you more confidence about making secure purchases online.

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How does MasterCard SecureCode work?

When you purchase online, MasterCard SecureCode issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You simply sign the receipt using your personal SecureCode and click 'Submit' to proceed with the purchase. By entering your SecureCode, you authenticate yourself as the authorized user of the card. You will only be asked to enter your SecureCode at participating stores.

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How does MasterCard SecureCode protect me?

With MasterCard SecureCode only you can approve a purchase because only you know your personal MasterCard SecureCode SecureCode and message.

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Will I need to apply for a new card to use MasterCard SecureCode?

No. MasterCard SecureCode is designed to protect the Capital One credit card(s) that you already have.

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When will my account be billed for MasterCard SecureCode purchases?

Your account will be billed on the same date it is currently billed.

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How many online stores currently participate in the MasterCard SecureCode service?

Many top merchants are already participating in the MasterCard SecureCode service. As MasterCard SecureCode grows, dozens more of your favorites will be added.

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How much does MasterCard SecureCode cost?

MasterCard SecureCode is free to Capital One credit card customers.

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Is MasterCard SecureCode easy to use?

MasterCard SecureCode is quick and easy to use. When you submit an order in a participating online store you'll be asked for your MasterCard SecureCode SecureCode. Simply enter your SecureCode, choose Submit, and you're done.

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What browser do I need to use for MasterCard SecureCode?

MasterCard SecureCode requires the use of Windows Microsoft® Internet Explorer 5.5, 6.0 (including 6.0 on XP SP2), 7.0 and 8.0, Windows Netscape® 7.2, Windows AOL ® 9, Windows Firefox® 1.0, 2.0 and 3.0, Opera® 9.5 and Macintosh Safari®.

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Can I use MasterCard SecureCode from any computer?

Yes. One of the great advantages of MasterCard SecureCode is that you can use it from any computer connected to the Web.

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What happens when my Capital One credit card expires?

When you are re-issued a new Capital One credit card, the MasterCard SecureCode service is automatically updated with the new card information. You do not need to re-register in order to continue using the MasterCard SecureCode service.

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What happens if I cancel my Capital One credit card and then get a new one with a different account number?

You will need to register the new card for the MasterCard SecureCode service.

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Registration

What cards can I register with MasterCard SecureCode?

You can register any of your existing Capital One credit or check cards.

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Can I register more than one Capital One credit card?

Yes. You can register any or all of your Capital One credit cards.

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Why do I have to supply personal information during registration?

We need to ensure that only the rightful owner of the MasterCard card is able to register for MasterCard SecureCode. By providing this personal information you help us verify your identify.

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Why am I required to supply my email during registration?

Your email will only be used for important notifications from Capital One and in full accordance with the Capital One Privacy Policy and the Capital One Terms and Conditions.

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If I register two or more Capital One cards, can I set the SecureCode to be the same for all the cards I register?

Yes. When you register with MasterCard SecureCode you choose one SecureCode. This SecureCode allows you to make online purchases from participating MasterCard SecureCode merchants using any of the cards you have registered with the Capital One MasterCard SecureCode service. It is your responsibility to protect your SecureCodes. You should select a SecureCode between 8-15 characters, which includes at least one number and one letter. You may not use SecureCodes that you have used in the past, and SecureCodes must not contain your name. We recommend that you select a SecureCode that will be easy for you to remember and difficult for others to guess.

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What is a Personal Greeting?

You create your Personal Greeting as the last step in your MasterCard SecureCode registration. When you pay online, always look for your Personal Greeting before you enter your SecureCode to ensure that you're using the authentic MasterCard SecureCode service.

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Can I set my Personal Greeting to be the same as my SecureCode?

Your Personal Greeting and your SecureCode must be different to ensure your security.

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What is the Signature Panel Code?

The Signature Panel Code is the 3-digit number printed on the signature stripe on the back of your MasterCard card just after the account number. The Signature Panel Code uniquely identifies the card issued to the cardholder. Capital One matches the card verification code against its own records to help verify that the person registering for the service is in physical possession of the card.

                                Back of Card

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How soon after completing my online registration can I begin to use the MasterCard SecureCode service to make online purchases?

The service is activated as soon as you receive confirmation of your registration.

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What do I do if I have problems during the registration process?

Capital One customer service is available at 1-800-481-3239, 7 days a week, between the hours of 7AM and 12AM, EST. We will be happy to assist you with any problems and answer any questions you may have.

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Activation During Shopping

What is the MasterCard SecureCode service?

MasterCard SecureCode is a service offered by Capital One in partnership with MasterCard. MasterCard SecureCode provided a way to password-protect credit card usage on the Internet. Simply register your credit card and choose a SecureCode. Your SecureCode is required when you use your card to make Internet purchases at participating online merchants. The requirement of your SecureCode prevents unauthorized usage of your card on the Internet, giving you more confidence about making secure purchases online.

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What is 'Activation During Shopping'?

As a Capital One customer, we offer you to activate MasterCard SecureCode while you shop at a participating online merchant. The activation process is simple and quick - all you have to do is enter a few identifying pieces of information, and create the personal SecureCode you would like to use in your future purchases. Please make sure you read and agree to the Terms of use, as activating the service indicates you have done so.

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I activated MasterCard SecureCode and received an email message saying I should personalize my account online. What does that mean?

When you activate MasterCard SecureCode during shopping, you receive a pre-assigned Login Name and Personal Greeting. When you personalize your account you can change your login name and Personal Greeting.

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What is the Login Name?

When you activate MasterCard SecureCode during shopping, a pre-assigned login name that Capital One has selected for you is displayed. The login name is based on your first and last name. You will need this login name in your future purchases, and also in order to access your personal account manager.
After activating MasterCard SecureCode you receive an email message with a link offering to personalize your account. You may click on this link to go online and change your login name. To personalize your account, click here.

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What is a Personal Greeting?

When you activate MasterCard SecureCode during shopping, a pre-assigned Personal Greeting that Capital One has selected for you is displayed. When you pay online, always look for your Personal Greeting before you enter your SecureCode to ensure that you're using the authentic MasterCard SecureCode service.
After activating MasterCard SecureCode you will receive an email message with a link offering you to personalize your account. We recommend that you click on this link and create a new Personal Greeting. Please note that your Personal Greeting must not be similar to your SecureCode. To personalize your account, click here.

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I activated MasterCard SecureCode. Can I activate it for additional cards?

After you activate MasterCard SecureCode for one card, you are welcome to add any of your Capital One MasterCard cards to the service as well. This includes Capital One branded cards as well as our partner cards. To activate additional accounts, click here.

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I activated a Capital One credit card that is co-owned with another cardholder. Does that person need to register their card separately or can we share a SecureCode?

We do not recommend sharing your SecureCode with anyone. The co-owner of the card should establish his or her own SecureCode. This increases the security of your MasterCard SecureCode online purchases. The co-owner of the card may activate the service by clicking here.

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What do I do if I have questions during the activation process?

Capital One Customer Service is available at 1-800-481-3239 between the hours of 7am - Midnight EST. We will be happy to assist you with any problems and answer any questions that you may have.

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Shopping with MasterCard SecureCode

How do I buy with MasterCard SecureCode?

When you pay for an online purchase with your Capital One card, the MasterCard SecureCode service will automatically be extended to you at participating online merchants. At the end of the checkout process, a receipt will be displayed by MasterCard SecureCode. The receipt will include details of your current purchase, such as merchant name, purchase amount and date. You will use your SecureCode to sign the receipt and click "Submit" to proceed with the purchase. For more information on shopping with MasterCard SecureCode, view our demo.

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Where can I buy with MasterCard SecureCode?

You will be able to make a purchase using the MasterCard SecureCode service at any online store that has the MasterCard SecureCode symbol
            
The list of participating stores is growing all the time, so be sure to look at our list of participating online merchants for the latest updates.

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Can I purchase at merchants that do not participate in the MasterCard SecureCode service?

Yes, your Capital One card can be used to make purchases at any online merchant that offers MasterCard.

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What happens if I try to make a purchase at a merchant that does not participate in the MasterCard SecureCode service?

The only difference is that you will not see the MasterCard Payment Window prompting for your SecureCode - the purchase will proceed just as it did before your registered your card with MasterCard SecureCode. Of course, by shopping at a participating online merchant you have the extra security of confirming your identity with your SecureCode.

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Can I view the history of my MasterCard SecureCode purchases?

Yes. You can view all receipts of your previous online purchases by logging in to the MasterCard SecureCode Web site and accessing the Personal Account Manager functions. Choose "Receipt History" to display the MasterCard SecureCode receipts of your online purchases.

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What will happen when I go to pay online?

When you finish shopping at the participating online merchant, proceed to the merchant's checkout page. After you enter your registered Capital One credit card number and submit your purchase, your MasterCard SecureCode Payment Window will appear. First, look for your Personal Greeting. Then, enter your SecureCode and choose "Submit."

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Once I sign up for MasterCard SecureCode, will I enter my SecureCode where I shop?

You'll enter your MasterCard SecureCode SecureCode only when making a purchase at participating online merchants.

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I made on online purchase, but the MasterCard SecureCode window did not appear. What's wrong?

First, check to make sure that the card you used for the purchase is one that you have registered with the Capital One MasterCard SecureCode service. Second, determine whether the merchant is a participating online merchant. The merchant must be participating in the MasterCard SecureCode service in order for the window to appear. If the merchant is participating and you are using the right card, contact customer service.

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I don't see my Personal Greeting on the receipt. What should I do?

Always look for your Personal Greeting before signing the receipt. If your Personal Greeting does not appear on the receipt, please do not sign it and contact our customer service personnel.

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The Personal Greeting on the receipt is not mine. What should I do?

Always look for your Personal Greeting before signing the receipt. If a Personal Greeting other than yours appears on the receipt, please do not sign it and contact our customer service personnel.

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Customer Service

Can I change my SecureCode?

You can change your SecureCode at any time by logging into the MasterCard SecureCode Web site and accessing the Personal Account Manager functions. A confirmation message will be sent to the e-mail address you provided in your profile to acknowledge the completion of your SecureCode change.

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I forgot my SecureCode. What should I do?

If you forgot your SecureCode, select the Forgot your SecureCode, click here link that appears on the receipt. In the following page, type your login name , then enter the required information on your card. You will then be able to select a new SecureCode.

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How do I change my login name?

In the Personal Account Manager, access "Manage Your Profile", then select "Change your login name". You will be presented with your existing login name, and then you can create a new login name. You may also Contact Us to change your login name.

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How do I change my Personal Greeting?

In the Personal Account Manager, access "Manage Your Profile", and select "Change your Personal Greeting". Your old Personal Greeting will be presented, and you will be able to select a new Personal Greeting (6-30 characters long). Please note that your Personal Greeting must not resemble your SecureCode.

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How do I change the e-mail address I have selected for use with MasterCard SecureCode correspondence?

Log in to MasterCard SecureCode Web site and access the Personal Account Manager functions. Choose "Manage your Profile" and "Update your E-mail." Your current e-mail address will be displayed. Enter your new e-mail address; choose next, and a message confirming the e-mail address change will display. A confirmation message will also be sent to your e-mail address acknowledging the completion of your e-mail address change.

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What happens if I suspect that someone has stolen or guessed my SecureCode?

If your SecureCode is compromised, log in to MasterCard SecureCode Web site or Contact Us immediately to reset your SecureCode. If you also feel that your card number has been compromised and may be used fraudulently, you should immediately call the customer service number on your credit card statement.

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The Personal Account Manager

What is the Personal Account Manager?

The Personal Account Manager is a special service offered by Capital One that helps you trace the receipts of your MasterCard SecureCode purchases. In addition, it enables you to change your account settings: change your email address, SecureCode, and Personal Greeting.

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How do I access the Personal Account Manager?

Click on the following link to access the Personal Account Manager.

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Do I need to write down the details of my online purchases?

No. You do not need to write down details of your online purchases. When using MasterCard SecureCode you do not need to record or even type the purchase details anywhere. Reviewing your past 12 months of receipts online is a convenient option through the Personal Account Manager feature.

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I am trying to login to the Personal Account Manager but I forgot my SecureCode. What should I do?

If you forgot your SecureCode, select the "Forgot your SecureCode link" that appears on the Personal Account Manager login. In the following page, type your login name then re-enter your identifying details as in your initial registration for the MasterCard SecureCode service. You will then be able to select a new SecureCode.

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