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Learn more about MasterCard SecureCode. You can use the links below to jump to specific topics, or scroll down the page to read the full list of questions and answers.

About SecureCode
What is MasterCard SecureCode?
MasterCard SecureCode is a new service from MasterCard and your card issuer that provides added peace of mind when you shop online by providing added protection against unauthorized use of your enrolled card online.

How does MasterCard SecureCode work?
Once you've registered and created a SecureCode, each time you make an online purchase, a window will pop up asking for your SecureCode, just like using a PIN at the ATM. When you correctly enter your SecureCode, your card issuer confirms that you are the authorized cardholder and your purchase is completed. No code, no confirmation, no purchase.

How does MasterCard SecureCode protect me?
When you correctly enter your SecureCode during an online purchase, you confirm that you are the authorized cardholder and your purchase is completed. If the correct SecureCode is not entered, the purchase will not go through. No code, no confirmation, no purchase.

Is MasterCard SecureCode easy to use?
Yes. When you make an online purchase, a window from your card issuer will pop up and prompt you for your SecureCode. After reviewing the details of your purchase and confirming that your Personal Greeting is correct, simply enter your SecureCode to complete your purchase.

Will I need to get a new card to use MasterCard SecureCode?
No. You will be able to use any of your existing MasterCard cards, credit or debit, as long as the cards are from a participating card issuer. If you're not sure if your issuer is participating, click here to check.

How do I know whether a merchant participates in SecureCode?
Most participating stores/retailers will display the MasterCard SecureCode logo on their site. However, even if you don't see the SecureCode logo, the merchant may still offer SecureCode protection and you will be prompted to provide your SecureCode.

What are the system requirements for MasterCard SecureCode?
MasterCard SecureCode requires the use of Microsoft Internet Explorer version 5.0 and above, Netscape Navigator 4.0 and above, or America Online 4.0 and above. In addition, you should disable any software that prevents pop-up windows as this will interfere with your use of SecureCode.

Can I use MasterCard SecureCode from any computer?
Because there's no special software to install, you can shop from any computer meeting the system requirements outlined above and still receive the added protection afforded by MasterCard SecureCode.


What happens when my card expires or my billing information changes?
Your card issuer will automatically update this information in your profile.

What happens if I cancel my existing card then get a new one with a different account number?
You will need to register the new card for MasterCard SecureCode. Simply return to the registration site, and complete the registration process with your new card.


Registration
What cards can I register with MasterCard SecureCode?
You can register any of your existing MasterCard cards, credit or debit, as long as they are issued by a participating issuer. To check whether your card issuer is participating, click here.

How many cards can I register with MasterCard SecureCode?
We encourage you to register all of your MasterCard cards. There is no limit to how many cards you can register.

Can two people with a joint account use the same password or should they register MasterCard SecureCode separately?
Enrollment is at the account level so the password must be shared.

Why do I have to supply personal information during registration?
The information you provide is checked against the information that your card issuer has on file. This is done as a security precaution to be sure that the person registering is the real cardholder. For further security, we also ask for the Signature Panel Code number to be sure you have physical possession of the card that is being enrolled.

Why do I have to enter all of my personal information again when I enroll a second card?
All of the information you provide is checked against the information that your card issuer has on file. You are asked to enter the information again when you enroll a second card for your own protection. That way, the card issuer can be sure the real cardholder is registering the card.

Can I create the same SecureCode for all of my cards?
No. Each MasterCard card should have its own SecureCode so it is protected individually. You must select an alphanumeric SecureCode 6-10 characters long for each card. We recommend that you select a SecureCode that will be easy for you to remember, but difficult for others to guess.

What is a Personal Greeting?
The Personal Greeting is a message that you create during sign-up. Each time you make an online purchase at a participating store/retailer, you will be prompted to enter your SecureCode. At this time, you'll see your Personal Greeting and other purchase details. The Personal Greeting is your assurance that you are communicating with your card issuer. If the Personal Greeting displayed in the pop-up box 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 card, to report a possible fraud.

What are the Secret Question and Answer?
If you forget your SecureCode when making an online purchase, you will be supplied with your Secret Question. If you then supply the correct Answer, your purchase will be completed. Once your purchase is completed, you should visit the registration site, click on the "Forgot SecureCode" link and follow the subsequent instructions.

What is the Signature Panel Code?
The Signature Panel Code is the last three digits that appear on the back of your card, on the signature panel. We ask for this information as an extra security feature to be sure that you have physical possession of the card being registered.

What do I do if I have questions during the registration process?
If you have questions, or need assistance during the registration process, you should contact Customer Service at 800-857-3118.


Shopping with MasterCard SecureCode
What happens when I use my SecureCode at a participating merchant?
There is no need to log-in or sign-in. When you make a purchase at a participating store/retailer and enter your registered MasterCard payment details, you will automatically be prompted by your card issuer 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.

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 at the checkout. Your SecureCode will never be revealed to the store/retailer.

How do I know whether a merchant participates in SecureCode?
Most participating stores/retailers will display the MasterCard SecureCode logo on their site. However, even if you don't see the SecureCode logo, the merchant may still offer SecureCode protection and you will be prompted to provide your SecureCode.

Can I start shopping with my SecureCode as soon as I register?
Yes. You can begin using your SecureCode immediately after completing your registration; no waiting period is necessary.

What should I do if I purchase online but no SecureCode request window appears?
You should do the following:

  1. Make sure you are using your enrolled card.
  2. Make sure the merchant is participating.
  3. Be sure you have disabled any pop-up stopping software on your system.
  4. Contact customer service after double-checking the above items.

Will I be able to make purchases at stores that accept MasterCard but do not offer the MasterCard SecureCode facility?
Yes, you will not be asked for your SecureCode during these purchases.

How will the online store know that I'm registered for MasterCard SecureCode?
When you use a card that is protected with MasterCard SecureCode, the store/retailer automatically recognizes your MasterCard card number during the transaction.

Can I view a record of my SecureCode purchases?
To view a list of all purchases made with your SecureCode, click first on "Account Management" and then on "Transaction History". Please keep in mind that the Transaction History shows only those purchases made using your SecureCode and may include purchases that were declined or cancelled after you had already entered your SecureCode.

I forgot my password. What should I do?
You should return to the registration site at (click here), click on the "Forgot SecureCode" link, and follow the subsequent instructions.

What if my Personal Greeting is missing or incorrect?
If the Personal Greeting is missing from the SecureCode request box, or if an incorrect Personal Greeting is displayed, you should not submit your SecureCode, but should instead contact customer service immediately.


Account Management
Why do I need to manage my account?
You don't. However, this feature allows you to change your SecureCode, Secret Question and Answer or Personal Greeting, if you like. In addition, you can view your SecureCode transaction history or remove the SecureCode feature from your card.

How do I access this feature?
Simply return to the URL where you registered and click on "Login". You will be asked to enter your card number and SecureCode to login. (We ask for both items for additional security). You may want to bookmark this URL for future use.

What if I've forgotten my SecureCode and am unable to login?
You should return to the registration site at (click here), click on the "Forgot SecureCode" link, and follow the subsequent instructions.

How do I change my SecureCode?
Access the Account Management feature by returning to the registration site and clicking on the "Login" button. You can then change your SecureCode to anything you want as long as it is between 6 and 10 characters, contains at least 1 number,1 letter and no spaces and is different from both your hint and response and your Personal Greeting.

How do I change my Personal Greeting?
Access the Account Management feature by returning to the registration site and clicking on the "Login" button. You can then change your Personal Greeting to anything you want as long as it is between 1 and 30 characters and is different from both your Secret Question and Answer and your SecureCode.

How can I deactivate the SecureCode feature?
Access the Account Management feature by returning to the registration site and clicking on the "Login" button. You can then remove the SecureCode feature from your card.

How can I reactivate the SecureCode feature?
Simply return to the registration site and re-register. Please note, you will have to create a SecureCode that is different from your original SecureCode.

How far back does my transaction history go?
The available dates are shown in the drop down menu.

Can I sort my transactions by merchant or by purchase amount?
At this time, transactions can only be sorted by date.


Security and Privacy
How does MasterCard SecureCode work?
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 a PIN at the ATM. When you correctly enter your SecureCode, your card issuer confirms that you are the authorized cardholder and your purchase is completed. If the correct code is not supplied, your card issuer cannot confirm your identity and so the purchase will not go through. No code, no confirmation, no purchase.

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 a 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 card issuer cannot confirm your identity and so the purchase will not go through. No code, no confirmation, no purchase.

Aren't I already protected by zero liability?
If your MasterCard card is issued in the United States, then it would have zero liability as one of its features. But even if you already have this protection, MasterCard SecureCode will save you from the hassle of disputing a charge that isn't yours, saving you time and aggravation. MasterCard SecureCode provides added protection and peace of mind above and beyond zero liability.

Why do I have to supply my personal information during registration?
The information you provide is checked against the information that your card issuer has on file. This is done as a security precaution to be sure that the person registering is the real cardholder. For further security, we also ask for the Signature Panel Code number to be sure you have physical possession of the card that is being enrolled.

Why do I have to enter all of my personal information again when I enroll a second card?
You are asked to enter the information again when you enroll a second card for your own protection. All of the information you provide is checked against the information that your card issuer has on file for you. That way, the card issuer can be sure the real cardholder is registering the card.

How will the online store know that I'm registered for MasterCard SecureCode?
When you use a card that is protected with MasterCard SecureCode, the store/retailer automatically recognizes your MasterCard card number during the transaction.

Where can I view Terms and Conditions?
You can view the Terms and Conditions during enrollment.

Where can I review privacy policy?
To review your card issuer's privacy policy, please visit their website.

Will my personal information be used without my permission?
Absolutely not. Your information will only be used in accordance with MasterCard's privacy policy and your card issuer's privacy policy. To review your card issuer's privacy policy, please visit their website.

Does the service use cookies?
No. The MasterCard SecureCode service does not use cookies that are stored on your desktop. Instead, the software uses "session cookies" which are temporarily stored on your desktop and immediately (and automatically) deleted when you go offline.

How does the merchant know that my MasterCard card has been registered for MasterCard SecureCode?
Technically, he doesn't. When you enter your credit card number on the order form, the merchant sends an electronic message asking the MasterCard directory whether or not your card is enrolled in the SecureCode program. If the answer is yes, the MasterCard directory notifies your card issuer that your card is being used online and your card issuer then sends you the pop-up request for your SecureCode to be sure it's really you trying to use your card. This communication is directly between you and your issuer, without the merchant's involvement. Once you enter the correct SecureCode, your card issuer will send an authorization to the merchant, as they would for any purchase, and your purchase is completed. So, from the merchant's point of view, the transaction process is the same whether the card is enrolled in SecureCode or not.

How to Cancel
How can I cancel my SecureCode enrollment?
To cancel your SecureCode registration, click first on "Account Management" and then on "Cancel Enrollment" However, if you visit a merchant site that is using MasterCard SecureCode you will be asked to re-enroll prior to completing your purchase.

Can I later re-enroll?
Yes, simply complete the registration process again and your SecureCode account will be re-activated. However, the new SecureCode you create must be different from your original SecureCode.

 

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