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Securcode Mastercard/maestro and VISA

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  • Securcode Mastercard/maestro and VISA

    About MasterCard SecureCode

    What is MasterCard® SecureCode?
    MasterCard SecureCode is a new service that enhances your existing MasterCard card. A private code gives added protection against unauthorized use of your card when you shop at participating online merchants.

    How does MasterCard SecureCode work?
    Once you've registered and created your own private SecureCode, you will be automatically prompted by your card issuer to type in your SecureCode each time you make a purchase at participating online stores/retailers. Then your SecureCode will be quickly confirmed by your card issuer to complete your purchase. Your SecureCode will never be shared with the store/retailer and using it is as easy as entering your PIN at an ATM.

    How does MasterCard SecureCode protect me?
    Correctly entering your SecureCode during a purchase at a participating online store/retailer, confirms that you are the authorized cardholder.If an incorrect SecureCode is entered, the purchase will not be completed. Even if someone knows your credit or debit card number, the purchase cannot be completed without your SecureCode at a participating store/retailer.

    What are the system requirements for MasterCard SecureCode?
    MasterCard SecureCode works with most browsers. Please be aware that software which prevents pop-up windows may interfere with your use of SecureCode.



    Sign Up for MasterCard SecureCode

    What card do I use? Will I need to get a new card to use MasterCard SecureCode?
    You will be able to use any of your existing MasterCard credit or debit cards, as long as the cards are from a participating card issuer. If you're not sure if your card issuer provides this service, please review our list of participating card issuers. If you don't see your card issuer listed, they may be planning to offer SecureCode in the near future, so check back frequently.

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



    Shopping with MasterCard SecureCode

    Where can I shop with MasterCard SecureCode?
    To view a list of participating SecureCode stores, click here. Please check back periodically as new stores are being added to the list all the time.

    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.

    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.

    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.

    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.

    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.
    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.

    I am a merchant who would like to offer SecureCode to my customers. How do I get more information?
    For information on participating in the MasterCard SecureCode service please visit www.securecodemerchant.com.

    Back to top


    Security and Privacy

    Where can I view the MasterCard SecureCode Terms and Conditions?
    Please visit your card issuer's website for the Terms and Conditions specific to your card.

    Where can I review the privacy policy?
    Please visit your card issue's website to review the privacy policy specific to your card.

    http://www.mastercard.com/uk/persona...ode/index.html
    Article taken from the above site.

  • #2
    Re: Securcode Mastercard/maestro and VISA

    http://www.visaeurope.com/personal/o...howitworks.jsp
    How it works



    If you’re used to shopping online, using and trusting Verified by Visa will come as second nature.
    If you’re not, then this is a reassuring place to start.

    Using Verified by Visa, your Visa card will work just as it does now. It will also work with online retailers who are not yet offering the Verified by Visa service.

    It’s this simple to sign up:
    • Sign up for the service with the bank or organisation that issues your Visa card
    • Choose a password and a personal message
    • When you’ve signed up, you can shop at any online retailers offering Verified by Visa
    With so many places to shop, the choosing might be hard.
    But the shopping is easy, yet totally secure.

    It’s this simple to shop:
    • Choose what you want to buy
    • Go to the check-out page
    • Enter your Visa card details as usual
    • The website will indicate whether or not it offers Verified by Visa
    • Your personal assurance message tells you that the bank or organisation that issued your Visa card is asking for your password
    • Enter your password, click 'submit’
    • Your identity is confirmed
    • Job done

    Comment


    • #3
      Re: Securcode Mastercard/maestro and VISA

      If you shop online this is an added bit of information that may help to prevent fraudulent use online and if merchants do not use the service then maybe it is better to not use them.

      Comment


      • #4
        Re: Securcode Mastercard/maestro and VISA

        I use 'Verfied by Visa' at a lot of online shops and its a great bit of added security as it takes you away from the merchant and to Visa to verify your details, then it passes back to the merchant.
        So all the authorisation is done by Visa and not the merchant

        Comment

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