What is SecureCode?
SecureCode is a global e-Commerce solution that enables cardholders to confirm their identity through the use of a unique personal code. SecureCode addresses current consumer concerns about the security of online transactions and is designed to take online shopping to a new level. Consumer research has proved that the use of this unique personal code provides peace of mind as no one else has access to a customer’s SecureCode.
How does MasterCard SecureCode work?
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 Maestro on-line purchase. 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 or POS.
How does MasterCard SecureCode protect me?
When you correctly enter your SecureCode during a Maestro purchase at an 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 card number, the purchase cannot be completed on-line without your SecureCode.
Do I have to use static or dynamic passwords for Maestro e-com transactions?
The password type is dependent on your Maestro issuer. Please contact your issuer for full details about how you can shop securely on the internet with your Maestro card.
Is Maestro online always with SecureCode?
The merchant will always offer SecureCode for Maestro transactions. However, your bank may have an alternative security protocol. While SecureCode uses state of the art technology to authenticate the cardholder – it is not the only cardholder authentication solution being used by Maestro issuers. Therefore, you should check with your issuer to understand what customer authentication protocol is expected when using Maestro for on-line transactions.
Will I need to get a new Maestro card to use SecureCode?
You will not need a new Maestro debit card if your card number is currently on your debit card. Note: your card number is not your national debit account number. No IBAN prefix is required. While issuers are now mandated to have their Maestro cards include a card number, the implementation of this mandate is based on new cards issued. Therefore some Maestro cardholders will have to wait until they receive a new card to have a card number on their card. If Maestro card today does not have a card number, you should contact your issuer. Your issuer may decide to accelerate your card re-issuance or provide you with the card number details separately.
Can I use SecureCode for Maestro on-line purchasing using any computer?
Because there’s no special software to install, you can shop from any computer meeting the system requirements and still receive the added protection afforded by SecureCode. Note that your secure code will never be stored on a computer.
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.
What is the difference between authentication and authorization?
Authentication is the process wherein a cardholder provides a signature or a unique code that only is known only to him / her to prove their identity. Authentications validate the cardholder’s identity. A transaction authorization is when a merchant request the cardholder’s bank to approve a transaction. Authorizations validate the availability of the funds for payment.
Do I have to have a Security Number (CVV) for Maestro transactions?
Historically, the Security Number (the three digit cardholder verification value found on the back of credit cards) was designed to verify that the plastic is actually in the customer’s hand for Mail Order / Telephone Order transactions where in a signature verification was not possible.
As Maestro has always operated on a 100% cardholder authentication method, which is not the case for credit cards, Maestro did not require Security Numbers values to be printed on the back of the Maestro card. Some issuers did provide these values on their Maestro cards for their own purposes.
While e-Commerce merchants are increasingly accepting debit cards on their sites, many are using the same payment formats and transaction processes for debit that they use for credit cards. This may include mandating a Security Number be input. Therefore, it is important that you contact your issuer in the event you do not have a Security Number on your card and request what data should be entered if you are prompted for a Security Number.
Why is there a delay between my purchase and the seeing the transaction on my account?
There are two possible reasons for this:
• The goods were not currently available when you made the purchase, therefore the merchant delayed the transaction until the goods were actually shipped, or
• In very specific cases merchants chose to send small transactions to banks in bulk (e.g., Music downloads).
What happens if I do not receive the goods / services I paid for with my Maestro card?
If after a reasonable time you have not received the goods / services you should contact the merchant for a refund. If the merchant does not respond to your request within 21 days, you should notify your bank who will credit your account for the amount of the transaction and contact the merchant for the funds directly.
What is MARP?
Some merchants will store your details to facilitate return customers. As from the second transactions, these merchants will identify you by their own customer registration protocols. The Maestro Advanced Registration Programme (MARP) makes it easier for merchants to accept Maestro-branded cards for payment on the internet by balancing their checkout experience objectives with their preference for a guaranteed transaction. The MARP programme is open to e-commerce merchants that operate a checkout environment that allows customer to register on the merchant’s Website by selecting a username and password or similar credentials. This provides cardholders with the option to register a Maestro card number for use in future e-commerce transactions. Merchants who are MARP enable must meet strict customer experience and risk management requirements before they are approved for MARP.
Why do I authenticate only the first time with MARP?
Many e-merchants have invested millions in Euros in making their checkout experiences quick, convenient, and secure. These merchants have established their own security protocols which must meet MasterCard’s strict criteria to enable it to enroll for the MARP process. Effectively, MARP enables them to go to an issuer only one time to authenticate the cardholder and card details. Once the first transaction has been authorized by the issuer, they have taken on the responsibility for the security of any further transactions using that card on that website. Note that the MARP merchants do employ strong risk based transactions scoring algorithms and may chose to authenticate the cardholder for subsequent transactions as well if there is a change in purchase behaviour or mailing address
Can I subscribe to recurring payments with Maestro? (e.g. e-newsletter subscription)
If your biller has been approved for MARP processing, you may subscribe for recurring payments using your Maestro card.
Can I pay my electronic invoices with Maestro?
Yes, you may pay your invoices electronically with Maestro using if the biller directs you to an internet payment site that accepts Maestro. If so, you know that your transaction will have to be authenticated by you using your issuers secure transaction protocol process.