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: 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: I'm a merchant, how do I get SecureCode for my business?
A: The SecureCode program may already be available through your transaction processor or service provider. Alternatively, a list of compliant MasterCard SecureCode vendors is available, visit: SecureCode technology vendors.
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: 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 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: 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.