What is MasterCard Secure Code

MasterCard Secure Code

MasterCard Secure Code is a service that allows you to make improvements to your current MasterCard account. When you shop at eligible online stores using a secret code, you have an additional layer of security against fraudulent use of your card. Every one of SEFCU's credit and debit cards is automatically enrolled in the Secure Code programme.

During a transaction at a participating online retailer, when you successfully input your Secure Code, you are confirming that you are the authorized cardholder, and your purchase is then processed. It is not possible to finish the transaction if an erroneous Secure Code is supplied. In the event that someone gains access to your credit or debit card number, the purchase cannot be completed at a participating retailer unless you provide your Secure Code.

The Claim:

MasterCard Secure Code is supposed to provide the following advantages:

  • Fraud reduction is a priority.

  • Providing assurances for e-commerce payments

  • Chargeback risk to the merchant has been reduced.

  • Confidence among cardholders has increased.

Due to the fact that online payment security is a constant source of worry for both online buyers and retailers, these MasterCard Secure Code claims ought to be examined in further depth. Keep in mind that in order for any side to gain from the programmed, both the merchant and the cardholder must choose to participate in it.


Secure Code benefits

  1. Additional security to ensure that transactions remain confidential

  2. When you purchase online, MasterCard Secure Code provides an additional layer of protection that only you have access to when you use your card.

  3. Accepted across the whole planet

  4. A total of more than one million online businesses in 122 countries and territories accept Secure Code transactions.

  5. When you're entering your payment information, keep an eye out for the logo.

  6. Secure Code is a fast, quick, and convenient method of making purchases using your current MasterCard account. Furthermore, it is simple to set up and utilize.

MasterCard Secure Code For Businesses

In the event that you are a merchant who is unsure as to why you should bother supplying Secure Code, it is sense to spend some time learning more about it. From the perspective of a merchant, MasterCard Secure Code may instill greater trust and security in your present and prospective consumers when they buy online with you. It also protects you from fraudulent usage and some sorts of chargebacks because of the additional degree of authentication and protection (more on that below).

It's crucial to remember that if you want to use Secure Code, it is not required for all of your customers to input a code in order to complete the transaction with you. It is only for clients who have already registered for Secure Code that a personal code is necessary for authentication purposes. Secure Code is necessary if a consumer attaches a card with Secure Code and the merchant is also a member of the Secure Code programmed, however. Although Secure Code is an optional feature, if you elect to provide it and your client is not already enrolled, they will enter their credit card information just as they would with any other purchase, and the transaction will be handled as usual.

Merchants can benefit from Secure Code transactions by being protected against fraudulent cardholder chargebacks, and customers who have enabled Secure Code also benefit from the enhanced security.

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JW Epply has been a senior executive for over 10 years, during which time he has met and exceeded growth and revenue goals in exceedingly difficult verticals. Epply is recognized as an efficient, dynamic leader with a strong background in sales and sales process, management, and organizational strategy. He holds a Bachelor’s Degree in Organizational Management from the University of Wyoming, and is an accredited Certified Payments Professional (CPP) from the Electronic Transactions Association (ETA).