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Payneteasy is a leading payment platform provider. Our state-of-the-art technologies and multiple layers of flexibility boost the fastest and most efficient integration and customization.
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Table of contents
  1. How Does Mastercard SecureCode Work?
  2. Benefits of Using Mastercard SecureCode
  3. FAQ
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  1. Main
  2. Glossary
  3. What is Mastercard SecureCode?

What is Mastercard SecureCode?

Mastercard SecureCode was Mastercard’s earlier 3-D Secure authentication programme for online card payments. It enabled the issuing bank to check the cardholder’s identity during checkout, adding an extra layer of security against fraud on online transactions. Mastercard now encourages a transition to Identity Check, its current authentication service for online purchases.

Table of contents
  1. How Does Mastercard SecureCode Work?
  2. Benefits of Using Mastercard SecureCode
  3. FAQ
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How Did Mastercard SecureCode Work?

For a payment using SecureCode, the merchant’s payment flow initiated a 3-D Secure authentication request before payment authorisation.

The card issuer could ask the cardholder to confirm the purchase, for example with a password or a one-time code. This authentication step was separate from entering the card’s CVC/CVV.

The issuer returned an authentication result to the payment flow. Successful authentication did not, by itself, mean that the payment had been authorised or that fraud was impossible.

Mastercard Identity Check is the newer programme built on EMV 3-D Secure. Depending on the issuer’s assessment, authentication may happen without an additional action from the cardholder or require confirmation with a one-time code or in a banking app.

What Were the Benefits and Limitations of SecureCode?

SecureCode added issuer authentication to online Mastercard payments, helping reduce the risk of unauthorised card use. It did not prevent all fraud or prevent every chargeback.

Frequently Asked Questions

What replaced Mastercard SecureCode?

Mastercard encourages participants to move from SecureCode to Mastercard Identity Check. Identity Check uses the EMV 3-D Secure protocol; the older SecureCode name may still appear in some bank or integration materials.

Does 3-D Secure prevent all fraud and chargebacks?

No. Authentication can help reduce the risk of some unauthorised online payments, but other fraud and disputes can still occur.

How can merchants support Mastercard 3DS authentication with Payneteasy?

Payneteasy’s 3DS Adapter supports EMV 3DS 2.x and Mastercard, among other card schemes. The card issuer manages how its cardholders authenticate; Payneteasy does not activate authentication on an individual card.

Fraud & Risk Management

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Related terms

3DS

3-D Secure (3DS) is an extra security step for online card payments. It helps confirm that the person making the payment is the real cardholder.

CVC/CVV

If you’re wondering “what is CVV on card”, CVC (Card Verification Code) and CVV (Card Verification Value) act as an extra layer of protection for online and mobile payments. CVC and CVV are 3- or 4-digit security codes used to verify card-not-present transactions. It keeps banking information safe from being compromised by fraudulent activities.

Payment fraud prevention

Learn about payment fraud prevention: types of fraud, detection methods, and best practices for protecting transactions.