Frequently Asked Questions

About Mastercard® SecureCode™

Mastercard SecureCode is a service from Mastercard® and your card issuer that provides greater peace of mind when you shop online by providing added protection against unauthorized use of your enrolled card.

Once you have registered and created a SecureCode, each time you make an online purchase, a window will pop up asking for your SecureCode, just like using a PIN at the ATM. When you correctly enter your SecureCode, your card issuer confirms that you are the authorized cardholder and your purchase is completed. No code, no confirmation, no purchase.

Yes. When you make an online purchase, a window from your card issuer will pop up and prompt you for your SecureCode. After reviewing the details of your purchase and confirming that your Personal Greeting is correct, simply enter your SecureCode to complete your purchase.

Mastercard SecureCode requires the use of Microsoft Internet Explorer version 5.0 and above or Netscape Navigator 4.0 and above. In addition, you should disable any software that prevents pop-up windows as this will interfere with your use of SecureCode.

Because there’s no special software to install, you can shop from any computer meeting the system requirements outlined above and still receive the added protection afforded by Mastercard SecureCode.

WaveCrest Holdings Limited will automatically update this information in your profile.

You will need to register the new card for Mastercard SecureCode. Simply return to the registration site, and complete the registration process with your new card.

Registering for SecureCode

You can register any of your existing Mastercard cards, credit or debit, if they are issued by a participating issuer. All WaveCrest Holdings Limited Mastercard cards must be registered with Mastercard SecureCode to use for online purchases.

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

Individuals sharing a card number are encouraged to register separately and create their own SecureCode. However, depending on the information needed for registration, the secondary cardholder may need to use the personal data of the primary cardholder to register. Please follow the enrolment instructions on the enrolment screens.

The information you provide during Mastercard SecureCode activation is verified with the data held by WaveCrest Holdings Limited – your card issuer. WaveCrest verifies your 16 Digit Card number, Signature Panel Code (from signature panel on back of card), Date of Birth and Last Name as security precautions to be sure that the person registering for Mastercard SecureCode is the real cardholder.

Yes, however we recommend each Mastercard card have its own SecureCode so it is protected individually. We recommend that you select a SecureCode that will be easy for you to remember, but difficult for others to guess.

The Personal Greeting is a message that you create during Mastercard SecureCode registration. Once you’ve completed your registration, each time you make an online purchase, a small window will pop up and ask you to enter your SecureCode. In this window, you’ll see your Personal Greeting. The Personal Greeting is your assurance that you are communicating with, and submitting your SecureCode to, your card issuer. If the Personal Greeting displayed in the pop-up window is incorrect, you should not enter your SecureCode, but should instead report the issue to Cardholder Support by emailing your cardholder support email with the details.

The Signature Panel Code is the last three digits that appear on the back of your card, on the signature panel. We ask for this information as an extra security feature to be sure that you have physical possession of the card being registered.

If you have questions, or need assistance during the registration process, use the online help provided by Mastercard SecureCode during registration – and if unable to proceed, then email Cardholder Support to describe the issue.

Shopping with Mastercard SecureCode

When you make a purchase at a participating merchant, a window will pop up requesting your SecureCode. After reviewing the details of your purchase and confirming that your Personal Greeting is correct, simply enter your SecureCode to complete your purchase.

Yes. You can begin using your SecureCode immediately after completing your registration; no waiting period is necessary.

Yes, but you will not be asked for your SecureCode at these merchants. To complete your purchase, simply follow the traditional checkout process.

When you shop at participating online merchants, using a card you have enrolled in Mastercard SecureCode, your Mastercard card number is automatically recognized, resulting in the pop up window that asks for your SecureCode.

You should return to the registration site, click on the “Forgot Your SecureCode?” link, and follow the subsequent instructions.

If your Personal Greeting is missing from the SecureCode request box, or if an incorrect Personal Greeting is displayed, you should not submit your SecureCode, but should instead contact customer service.

Account Management

The Account Management feature allows you to change your SecureCode and Personal Greeting. Additionally, you can remove the SecureCode feature from your card.

Simply return to the web site where you registered and click on “Account Management”. You will be asked to enter your card number and SecureCode to login. (We ask for both items for additional security). You may want to bookmark this web site for future use.

You should return to the registration site, click on the “Forgot Your SecureCode?” link, and follow the subsequent instructions to re-enroll your card and replace your previous SecureCode.

If you cannot remember your SecureCode password, use the “Forgot your SecureCode?” link to reset your account with a new password before you are locked out.

Access the Account Management feature by returning to the registration site and clicking on the “Account Management” button. You can then change your SecureCode to anything you want that contains no spaces and is different from your Personal Greeting.

You must email cardholder support to request that your SecureCode account be unlocked. You will not be able to use your SecureCode account until you are unlocked.

Access the Account Management feature by returning to the registration site and clicking on the “Account Management” button. You can then change your Personal Greeting to anything you want as long as it is between 1 and 30 characters and is different from your SecureCode.

Access the Account Management feature by returning to the registration site and clicking on the “Account Management” button. You can then remove the SecureCode feature from your card.

Simply return to the registration site and re-register. Please note, you will have to create a SecureCode that is different from your original SecureCode.

Security and Privacy

Once you’ve registered and created a SecureCode, each time you make an online purchase, a window will pop up asking for your SecureCode, like using a PIN at the ATM. When you correctly enter your SecureCode, you confirm that you are the authorized cardholder and your purchase is completed. If the correct code is not supplied, your card issuer cannot confirm your identity and the purchase will not be completed. No code, no confirmation, no purchase.

The information you provide is checked against the information that your card issuer has on file. This is done as a security precaution to be sure that the person registering is the real cardholder. For further security, we also ask for the Signature Panel Code number to be sure you have physical possession of the card that is being enrolled.

You are asked to enter the information again when you enroll a second card for your own protection. All of the information you provide is checked against the information that your card issuer has on file for you. That way, the card issuer can be sure the real cardholder is registering the card.

When you use a card, you have enrolled in Mastercard SecureCode at participating online merchants, your Mastercard card number is automatically recognized resulting in the pop up window that asks for your SecureCode.

No. The Mastercard SecureCode service does not use cookies that are stored on your desktop. Instead, the software uses “session cookies” which are temporarily stored on your desktop and immediately (and automatically) deleted when you go offline.

How to Cancel

To cancel your SecureCode registration, return to the registration site, click on the “Account Management” button and then follow the directions to cancel/deactivate your enrolment. However, if you visit a merchant site that is using Mastercard SecureCode you may be asked to re-enroll prior to completing your purchase.

Yes, simply complete the registration process again and your SecureCode account will be re-activated. However, the new SecureCode you create must be different from your original SecureCode.