| | What is MasterCard® SecureCode™?
MasterCard SecureCode – is a new security measure that verifies your purchases in real time, whenever you shop online. Verification helps to reduce credit card fraud and unauthorised credit card use.
MasterCard SecureCode adds an extra layer of protection by helping to confirm your identity through either a security code or through security questions, during select online transactions. MasterCard SecureCode lets you enjoy extra security and peace of mind when shopping online at participating merchants.
How does MasterCard SecureCode work?
MasterCard SecureCode performs a real-time risk assessment on transactions made at participating online retailers. In most cases you won't notice any change, however, on some transactions we may prompt you to enter a six-character security code, which will be sent to you instantly via SMS. This is to ensure that the transaction you are about to make is authorised by you.
When you make an online purchase at a participating merchant, a page may automatically appear asking for a unique security code or answers to security questions. This is similar to the way your bank asks for your PIN at the ATM. When you correctly enter the code (or answer the security questions) your card issuer confirms that you are the authorised cardholder and your purchase continues.
How does MasterCard SecureCode protect me?
When you correctly enter the security code (or answer the security questions) during an online purchase at a participating merchant, you confirm that you are the authorised cardholder and your purchase continues. If the security questions are answered incorrectly, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that merchant.
How will MasterCard SecureCode impact my purchase?
Aside from the added protection that MasterCard SecureCode provides, the only impact to your purchase will be that you will need to enter the security code (or answers to the security questions) when the authentication screen appears, and then wait a few seconds while your card issuer (GE Money) confirms your identity.
Will I be able to purchase at merchants that accept MasterCard but do not participate in the MasterCard SecureCode service?
Yes, but you will not be asked to enter a security code (or answer security questions) at these merchants. To complete your purchase, simply follow the traditional checkout process.
Why am I seeing this MasterCard SecureCode screen?
This authentication screen may appear when you are shopping online at participating MasterCard SecureCode merchants. Once you have confirmed your identity by correctly entering either the security code (or answering the security questions) that are on the page, you will be able to continue with your purchase.
What happens if I don't receive a security code?
If you don't receive a security code, this may mean that the mobile number that is registered to your account is not up to date. You can still proceed with your transaction by selecting the button "I didn't receive a code" which will direct you to the security questions that are personal to you and your account. Once you have answered the security questions correctly you will be able to continue with your purchase.
How do I update my mobile number?
To update your mobile number please visit the Online Service Centre or contact Customer Solutions on 1300 462 273.
Can I complete this transaction without confirming my identity?
If you are not able to confirm your identity through either the security code that is sent to your mobile or the security questions, unfortunately you will not be able to proceed with your purchase at this time.
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