Mastercard® SecureCode is a fraud prevention tool used by online merchants. It helps verify that the shopper is the actual cardholder — and not a fraudster.
How Does Mastercard SecureCode Work?
Mastercard SecureCode allows cardholders to pre-register a personal identification number. If the merchant asks for this PIN during the checkout process, the processor will communicate with Mastercard for verification.
A mismatch could indicate the shopper is attempting an unauthorized purchase, as the cardholder would likely provide accurate personal information.
Mastercard SecureCode is the brand-specific name for 3D Secure.