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Frequently Asked Questions
Get further details about Mastercard®SecureCode™. Use the links below to jump to specific topic areas, or scroll down the page to review the full list of questions and answers.

General questions

What is Mastercard SecureCode?

Mastercard SecureCode is an innovative service offering secure Internet shopping, using your preferred form of Internet payment - the debit card. Mastercard SecureCode lets you add a personal SecureCode™ to your existing card, getting added security and the reassurance that only you can use your card 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 sign the receipt using your personal SecureCode and click "Submit" to proceed with the purchase. Without your SecureCode, the purchase cannot take place.

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How does Mastercard SecureCode protect me?

Once you've registered and created a SecureCode, each time you make an online purchase, a window will pop up asking for your SecureCode like using your PIN at the ATM. When you correctly enter your SecureCode, you confirm that you are the authorized cardholder and your purchase is completed. If the correct code is not supplied, your financial institution cannot confirm your identity and the purchase will not be completed. No code, no confirmation, no purchase.

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

No. You will be able to use your existing Check card through Mastercard SecureCode.

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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 billed today.

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Where can I shop with Mastercard SecureCode?

Many merchants are already a part of Mastercard SecureCode, and more merchants are signing up!

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Do I have to pay for Mastercard SecureCode?

Typically Mastercard SecureCode's service is free of charge. Check with your Financial Institution for more information.

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What are the system requirements 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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What happens when my Debit Mastercard expires?

When you are re-issued a new card, with the same Card Number, the Mastercard SecureCode service is automatically updated with the new card information. You do not need to re-register in the service

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What happens if I cancel my Check Card and then get a new one with a different account number?

You will need to register the new Check Card for the Mastercard SecureCode service. Simply return to the registration site and complete the registration process with your new card.

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Registration

What cards can I register with Mastercard SecureCode?

You can register any of your existing Check Cards.

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How many cards can I register with Mastercard SecureCode?

There is no limit to the number of Check Cards you register - you are welcome to register all of them. You can register any or all of your cards.

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Can two people with the same card number use the same SecureCode or should they register for Mastercard SecureCode separately?

The primary user of the card should register, then any other cardholders can use the same SecureCode.If you have different card numbers, then each card must be registered separately.

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Why do I have to supply personal information during registration?

The personal information you are supplying is used as a security measure to make sure you are the real cardholder. The information you supply is verified against the data stored in your Financial Institution's database.

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Why am I required to supply my e-mail during registration?

Your e-mail will only be used for important notifications about Mastercard SecureCode, and in full accordance with your Financial Institution's privacy policy and the terms of service.

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Can I use the same SecureCode for all of my Check Cards?

Yes. When you register to Mastercard SecureCode you will enter your card number and select a SecureCode. You may select the same SecureCode for all your registered cards. You must select a SecureCode between 8-15 characters, which includes at least one number and one letter. 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?

The personal greeting is a message that you create during registration. Once you've completed your registration, each time you make an online purchase, a small window will pop up and ask you to enter your SecureCode. In this window, you'll see your personal greeting. The personal greeting is your assurance that you are communication with, and submitting your SecureCode to, your card issuer. If the message displayed in the pop-up window is incorrect, you should not enter your SecureCode, but should instead contact Customer Service immediately by calling the phone number on the back of your Mastercard.

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

Contact your Financial Institutions Customer Support. They 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 in partnership with Mastercard. Mastercard SecureCode provides a way to SecureCode-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 stores. 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'?

Some Financial Institution offer you to activate Mastercard SecureCode when you shop at a http://www.mastercard.com/securecode/sc_merchants.html.The activation process is simple and quick - all you have to do is enter a few identifying pieces of information, and select the personal SecureCode you will be using 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. Note that you may not be offered to activate the service online if you had already registered your card to the service in the past.

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I activated Mastercard SecureCode, and now I received an e-mail message saying I should personalize my account online. What does that mean?

When you activate Mastercard SecureCode during shopping, you receive a pre-assigned Personal Greeting. When you personalize your account you can select a different personal greeting.

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What is a personal greeting?

When you activate Mastercard SecureCode during shopping, a pre-assigned personal greeting that Mastercard SecureCode had 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 receive an e-mail message with a link. We recommend that you click on this link and create a new, truly personal greeting. Please note that your personal greeting must not be similar to your SecureCode.

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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 to the service any of your credit cards. This includes your Financial Institution's branded cards as well as our partner cards. To activate additional accounts , click here.

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Shopping with Mastercard SecureCode

How do I shop with Mastercard SecureCode?

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 enter your personal Mastercard SecureCode SecureCode and click "Submit" to proceed with the purchase. When you shop online with your card, the Mastercard SecureCode service will automatically be active at participating stores. For more information on shopping with Mastercard SecureCode, view our demo.

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Where can I use Mastercard SecureCode service?

Many merchants are already a part of Mastercard SecureCode, and more merchants are signing up!

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

You can start to use the Mastercard SecureCode service immediately after you complete the registration process.

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What should I do if I purchase online but the Mastercard SecureCode receipt does not appear?

First, check to make sure that the card you used for the purchase is one that you have registered with the Mastercard SecureCode service. Second, determine whether the merchant is a participating merchant. If the merchant is participating and you are using the right card, contact the merchant's customer service center.

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

Yes. However you will not be able to use Mastercard SecureCode. To complete the purchase at such merchants, simply follow the regular checkout process.

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Where can I view the history of my Mastercard SecureCode purchases?

You can view your Receipt History by logging in to the Personal Account Manager.

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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, re-enter the identifying details that you submitted during your registration for the Mastercard SecureCode service. You will then be able to select a new SecureCode.

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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 entering your SecureCode. If your personal greeting does not appear on the receipt, please do not sign it and contact your Financial Institution's 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 your Financial Institution's customer support area.

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The Personal Account Manager

What is the Personal Account Manager?

The Personal Account Manager is a special service, which helps you trace the receipts of your Mastercard SecureCode transactions. In addition, it enables you to change your account settings: change your e-mail address, SecureCode, and personal greeting.

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How do I access the Personal Account Manager?

You can access the Personal Account Manager through your Financial Institution's web site. We also recommend that you add it to your favorites or bookmarks.

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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, click here link that appears on the Personal Account Manager login. In the following page, re-enter the identifying details that you submitted during your registration for the Mastercard SecureCode service. You will then be able to select a new SecureCode.

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How do I change my SecureCode?

In the Personal Account Manager,access Manage Your Profile, and select Change your SecureCode. You will be required to enter the old SecureCode, select a new SecureCode and retype it for verification. You must 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. 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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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 update the e-mail address?

Your e-mail address is used for important Mastercard SecureCode notifications. It is therefore important that you keep the e-mail address in the Mastercard SecureCode service updated. In the Personal Account Manager, access Manage Your Profile, and select Update your e-mail. Your old e-mail will be presented, and you will be able to enter a new one.

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DDA - Disability Discrimination Act

What Accessibility features are provided on this site?

The following accessibility features are provided:

  • Support for windows reader.

  • Support of resizing the text.

  • Support for No Java Script.

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    How can I resize the text?

    In the browser go to View ==> Text Size and choose "Largest".

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    Where can I find more information on Accessibility?

    Accessibility reference can be found in:

  • W3 accessibility guidelines

  • W3 accessibility techniques

  • The Disability Discrimination Act 1995 (DDA)

  • JAWS a screen reader for Windows.

  • Windows-Eyes a screen reader for Windows.

  • PwWebSpeak a screen reader for Windows.
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