To help ensure the safety and security of online shopping with both debit and credit cards, providers have added a new layer of enhanced security to help protect you. If your card is issued by MasterCard® then the security system is known as MasterCard SecureCode.
When you're shopping with participating merchants online, MasterCard SecureCode uses a private code to authenticate your identity – preventing the use of your credit card without your knowledge.
Once you've registered with the scheme, you'll have to set up your security words and you will be prompted to enter certain characters from those words during the “checkout” process every time you make a purchase. Your SecureCode will be quickly confirmed by your card issuer to complete the transaction safely and securely. It's never shared with the store/retailer and using it is as easy as entering your PIN at a cash machine.
Correctly entering your SecureCode confirms that you are the authorised cardholder. If it's entered incorrectly, the purchase will not be completed – which guards against someone else knowing and using your credit card number.
"You'll need a debit or credit card that comes from a participating MasterCard issuer"
You'll need a debit or credit card that comes from a participating MasterCard issuer. It doesn't matter if it's new or a card you own already. Most issuers provide the MasterCard SecureCode service or plan to do so in the future and you can also register as many cards as you like.
Most of the popular web browsers support MasterCard SecureCode, but be wary of window pop-up prevention software, as this can interfere with its function. If you're not sure or struggling to make a purchase, temporarily disable the software and that might make a difference.
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If you see the MasterCard SecureCode logo, it indicates a participating merchant, even if you don't, they may still offer the protection. There's no need to log in to your account, the store/retailer will automatically recognise your MasterCard card number during the transaction. Then you'll be given an identifiable Personal Greeting. This is an assurance that you're genuinely communicating with your card issuer, but if you don't get this or it seems incorrect, don't enter your MasterCard SecureCode. Instead, call the phone number on the back of your MasterCard card, to report a possible fraud.
Assuming it's all above board, review the purchase details are correct and then you'll be prompted to enter your SecureCode. Everything will be completed and you can be safe in the knowledge that your details are protected.
MasterCard SecureCode is just one security measure that credit card providers are adopting. Others may use similar methods to verify your identity. Entering a code may be a minor inconvenience, but in an age when identity theft is rife, it's a necessary one. It ultimately means complete peace-of-mind when shopping online.