Mastercard SecureCode FAQs

What is Mastercard® SecureCode™?

Mastercard SecureCode is a service to enhance your existing Mastercard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.

How does Mastercard SecureCode work?

Once you've created your own private SecureCode you will be automatically prompted at checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed 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.

How does Mastercard SecureCode protect me?

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.

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 SEFCU Mastercard Credit or Debit.

How do I know if my Mastercard Credit or Debit card account can be enrolled in SecureCode?

All SEFCU Credit and Debit cards can be enrolled in SecureCode.

How many cards can I register with Mastercard SecureCode?

We encourage you to register all of your SEFCU Mastercard cards. There is no limit on how many cards you can register.

Can I use Mastercard SecureCode from any computer? 

Because there's no special software to install, you can shop from any device (smartphone, computer, tablet, etc.) and still receive the added protection afforded by Mastercard SecureCode.

What happens when my card expires or my billing information changes? 

Your card issuer will automatically update this information in your profile. 

What happens if I cancel my existing card then get a new one with a different account number?

You will need to register the new card for Mastercard SecureCode.

How do I know whether a merchant participates in SecureCode?

Most participating merchants will display the Mastercard SecureCode logo on their site. However, even if you don't see the SecureCode logo, the merchant may still be a participant and you will be prompted to provide your SecureCode.

How will the online merchant know that I'm registered for Mastercard SecureCode? 

When you use a card that is enrolled in the Mastercard SecureCode program to make an online purchase at participating merchants, you will automatically be prompted for your SecureCode.

What happens when I use my SecureCode at a participating merchant? 

When you make a purchase at a participating merchant and enter your registered Mastercard payment details, you will automatically be prompted to enter your SecureCode at checkout. After reviewing the details of your purchase and confirming your credentials, simply type in your SecureCode, when prompted, to complete your purchase.

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 during checkout. Your SecureCode will never be revealed to the merchant during the checkout process. SecureCode ensures additional safety and security while making online transactions.

Will I be able to make purchases at merchants that accept Mastercard but do not participate in the Mastercard SecureCode program? 

Yes you will be able to make purchases. However, you will not be asked for your SecureCode    during these transactions. You will still be protected from unauthorized purchases.

After I enrolled my SEFCU card in SecureCode I noticed a $0 authorization on my account. Is that normal?

Yes. Once you enroll your SEFCU card in SecureCode you will see a transaction on your account that will read as follows: DEBIT CARD AUTHORIZATION/DATE CA Tech*3-D Secure 215-4437003 CA. The transaction should be for $0.