Mastercard SecureCode: What It Is & How To Use It?

SecureCode, according to Mastercard, helps to reduce fraud and ensures ecommerce payments. Let’s imagine a hacker steals a person’s credit card number through a skimming device or a hacked website and posts it on the Dark Web. Another con artist buys it and then uses the card information to make a purchase.


With online payment security becoming more and more of a concern for both online buyers and retailers, these Mastercard SecureCode claims are worth investigating further. Keep in mind that in order for any side to benefit from the program, both the retailer and the cardholder must opt in.

Read on for an explanation of how SecureCard works and whether it’s ideal for you, whether you’re a cardholder who wants to set up a SecureCode yourself or a curious business owner who wants to know how to boost security for online purchases.


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 unauthorized use of your card when you shop at participating online retailers. This service is provided by your card issuing bank.

Mastercard SecureCode is a service to enhance your existing Mastercard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.

What is SecureCode?

Mastercard SecureCode is an additional layer of security meant to safeguard cardholders and retailers from the growing threat of fraud. This global solution makes using a Mastercard credit or debit card without valid authentication more difficult.

Of course, there are benefits and drawbacks to using SecureCode, as with any fraud tool, as well as best practices to ensure that you get the most out of your efforts. Let’s take a closer look at the ins and outs of using this anti-fraud tool and how to obtain the greatest outcomes.

Steps to Obtaining a Mastercard Securecode

STEP 1: A Securecode-enabled cardholder begins the checkout procedure.

STEP 2: The cardholder receives a one-time-password/PIN (OTP) via SMS message from the issuing bank.

STEP 3: To complete the transaction, the cardholder must input the OTP code.

Securecode, like other 3-D Secure technologies, is an opt-in service, which means cardholders must register with their issuing bank to participate. Cardholders who skip this step will not be required to enter a code throughout the checkout process; it will appear as though the tool does not exist at all to them.



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