SecureCode™ is a free service from MasterCard and First Midwest Bank that provides added protection against unauthorized use of your credit or debit card when you shop and buy online. Only you know what your code is, retailers aren't able to see it. You can trust that your transactions get independent approval every time, this extra security helps prevent any unauthorized online use of your card.
Once you've registered and created your own private SecureCode, you will be automatically prompted by your financial institution at checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.
When you correctly enter your SecureCode during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. 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 merchant.
There is no need to get a new MasterCard® card. You choose your own personal MasterCard SecureCode and it's never shared with any merchant.
Once you're registered, it's easy to do your online shopping with the added safety of MasterCard SecureCode. Here's how:
- Shop online at participating merchants. Enter your MasterCard credit card number.
- A window will appear from your card issuer asking you for your personal SecureCode, just like the bank does at the ATM.
- In seconds, your card issuer confirms it's you, and allows your purchase to be completed.