Secure use of a payment card

What is Mastercard SecureCode / Verified by VISA?

This is an additional security tool for authorizing the use of your payment card during online shopping.How it works?
The Mastercard SecureCode/Verified by VISA security system is based on a secure Internet purchase password of your choice. This is a private password known only to you. It ensures additional cardholder authentication at online shops across the world.

How it works?

Whenever you pay for a purchase or service at an online store, the MasterCard SecureCode/Verified by VISA security system uses a single password — a code generated by Digipass or a password and SMS code generated by the Password+SMS authentication tool. This provides additional authentication of the cardholder in online stores around the world.

How to use it?

With MasterCard SecureCode/Verified by VISA, you can continue shopping online the same way you have until now. The only difference is that after you enter your card details the MasterCard SecureCode/Verified by VISA window will open, prompting you to enter your Digipass code or Password+SMS authentication password and SMS code. After you enter the requested information, your personal authentication is completed, and the purchase will processed within seconds.

What are the benefits?

• The retailer does not have access to data exchange between you and the bank.

• Your payment card has an additional security feature.

What is MasterCard® SecureCode™/Verified by VISA?

MasterCard SecureCode/Verified by VISA is an additional security tool for authorizing the use of your payment card during online shopping.

How does MasterCard SecureCode/Verified by VISA work?

Each time when you shop online, you will be prompted to enter an additional authentication password and/or code. If correct information is entered, the purchase will be authorised.

How does MasterCard SecureCode/Verified by VISA protect me?

By entering correct authentication password and/or code when shopping with a participating e-merchant, you confirm that you indeed are the authorised cardholder. If wrong authentication password and/or code is entered, the purchase will not be completed. Thus, even if someone else knows your credit or debit card number, the purchase cannot be completed without the authentication password and/or code.

How is the authentication code generated for the use of MasterCard SecureCode/Verified by VISA?

The authentication tool generates the code in the same way as when you connect to the Internet Bank. In the case of Password+SMS authentication, before entering the SMS code you must first enter the password of your Password+SMS authentication tool. If you are using Digipass for authentication in the Internet Bank, you must enter the code generated by Digipass.

What payment card can I use? Do I need a new payment card in order to use MasterCard SecureCode/Verified by VISA?

You can use any of your MasterCard, VISA or Maestro payment cards — all our payment cards are registered with MasterCard SecureCode/Verified by VISA program.

How many payment cards may I register with the MasterCard SecureCode/Verified by VISA?

All our payment cards are registered with the MasterCard SecureCode/Verified by VISA program.

Can I use MasterCard SecureCode/Verified by VISA from any computer?

Since no installation of specific software is required, you will be able to make purchases protected by MasterCard SecureCode/Verified by VISA from any computer.

What happens when my payment card expires? Will it result in change of data to be entered for confirming online purchases?

In the event of card change, the arrangements for online card payments remain unchanged.

What if I block my current payment card and then get another payment card with a different account number?

The new payment card will be automatically connected to MasterCard SecureCode/Verified by VISA.

How do I know if the e-merchant participates in the SecureCode/Verified by VISA program?

Many e-merchants participating in MasterCard SecureCode/Verified by VISA display the logo of the program on their sites. Even if the logo is not visible, the e-merchant may still participate in the program. If that is the case, you will be promoted to enter the authentication password and/or code when making a payment at the online store.

How will the e-merchant know that I am registered with the MasterCard SecureCode/Verified by VISA?

When you use a payment card registered with the MasterCard SecureCode/Verified by VISA at online stores participating in the program, the merchant will recognize the number of your MasterCard/VISA payment card when processing the payment.

Can I shop with e-merchants that accept MasterCard/VISA payment cards but do not participate in the MasterCard SecureCode/Verified by VISA program?