MasterCard SecureCode and Verified by Visa are online security programs designed to make internet transactions safer. MasterCard SecureCode and Verified by Visa are an easy, cost-effective way of promoting customer confidence in internet transactions by authenticating the cardholder at the point of purchase with a password.

  • Greater confidence in online payments by enhancing the security and integrity of internet transactions
  • Facilitates growth in online shopping
  • Reduction in fraud exposure
  • Reduction in chargeback liability
  • Less operational expenses (fraud and dispute handling)
  • Ease of use
  • Reduced risk of unauthorised card use
  • Cardholder’s identity is verified by their own bank
  • Customer can choose to make payments only on merchant sites that have implemented the programs

MasterCard SecureCode and Verified by Visa were designed to alleviate online security concerns. It is a small additional step in the payment process which verifies the identity of the cardholder.

  1. The cardholder (customer) shops at a merchant website and proceeds to initiate card payment.
  2. The cardholder is directed to the payment page where they enter their card details and click submit.
  3. The cardholder is automatically linked to their appropriate issuing bank to verify their identity.
  4. If the cardholder has registered for MasterCard SecureCode or Verified by Visa with their issuing bank, they will be required to enter a password or code. If the cardholder has not registered for MasterCard SecureCode or Verified by Visa with their issuing bank, they will be required to do one of two things; Click on continue to proceed without a password or Register for MasterCard SecureCode/ Verified by Visa at the time of payment
  5. If the password is entered correctly, the cardholder is authenticated and the transaction is sent for authorisation.

To implement MasterCard SecureCode and Verified by Visa you are required to use one of our e-Commerce payment services such as Simplify, BPOINT or CommWeb. New customers are able to apply at sign up and existing customers need to call the merchant helpdesk to enable this feature.

Resources to help you protect your business

Stay smart online

The Australian Cyber Security Centre has a Stay Smart Online program that may help you learn more about protecting your business.

Visit Stay Smart Online

Industry-specific requirements

As detailed in your merchant agreement, the card schemes have special requirements for some industries such as accommodation and car rental.

To find out if special requirements apply to your business, visit the MasterCard and Visa websites.

Other security and privacy resources

Security needs to be considered with all of your other banking services such as ATMs, online banking, credit and debit cards and cheques. For more information on security and privacy, please visit our Security Centre

Other sources for obtaining information about IT security and e-crime include the Australian Computer Emergency Response Team and Australian Federal Police.  

To report any suspicious activity, call us on 1800 230 177, 24 hours a day, 7 days a week.

Things you should know    

As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant Agreement, Financial Services Guide and Operator and User Guides at our Merchant Help Centre.