Learn more about MasterCard® SecureCode. Use the links below to jump to specific topics, or scroll down the page to read the full list of questions and answers.

About MasterCard SecureCode
Sign Up for MasterCard SecureCode
Shopping with MasterCard SecureCode
Security and Privacy

About MasterCard SecureCode

What is MasterCard® SecureCode?
MasterCard SecureCode is a new service to enhance your existing MasterCard account. A private code means added protection against unauthorized use of your card when you shop at participating online merchants.

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 purchase with a participating online merchant. 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.

How does MasterCard SecureCode protect me?
When you correctly enter your SecureCode during a purchase at a participating 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 credit or debit card number, the purchase cannot be completed without your SecureCode at a participating merchant.

What are the system requirements for MasterCard SecureCode?
MasterCard SecureCode works with most browsers. Please be advised software which prevents pop-up windows may interfere with your use of SecureCode.

Sign Up for MasterCard SecureCode

What card do I use? Will I need to get a new card to use MasterCard SecureCode?
You will be able to use any of your existing MasterCard credit or debit cards, as long as the cards are from a participating financial institution. If you're not sure if your financial institution provides this service, please review our list of participating financial institutions. If you don't see your financial institution listed, check back frequently.

How many cards can I register with MasterCard SecureCode?
We encourage you to register all of your MasterCard cards. There is no limit on how many cards you can register.

Shopping with MasterCard SecureCode

Where can I shop with MasterCard Secure Code?
To view a list of participating SecureCode merchants, click here. Please check back periodically to see which new merchants have been added to the list. When buying from merchants who do not yet participate in SecureCode, you will still be protected from unauthorized purchases with Zero Liability from MasterCard.

How do I know whether a merchant participates in SecureCode?
Most participating merchants will display the MasterCard SecureCode logo on their site. However, even if you don't see the SecureCode logo, the merchant may still be a participant and you will be prompted to provide your SecureCode.

How will the online merchant know that I'm registered for MasterCard SecureCode?
When you use a card that is enrolled in the MasterCard SecureCode program at participating online merchants, the merchant automatically recognizes your MasterCard card number during the transaction.

What happens when I use my SecureCode at a participating merchant?
There is no need to login or sign in. When you make a purchase at a participating merchant and enter your registered MasterCard payment details, you will automatically be prompted by Mercer County State Bank to enter your SecureCode. After reviewing the details of your purchase and confirming that your Personal Greeting is correct, simply type in your SecureCode to complete your purchase.

What is a Personal Greeting?
The Personal Greeting is a message that you create during sign-up. Each time you make an online purchase at a participating merchant, you will be prompted to enter your SecureCode. At this time, you'll see your Personal Greeting and other purchase details. The Personal Greeting is your assurance that you are communicating with Mercer County State Bank. If the Personal Greeting displayed in the pop-up box is incorrect, you should not enter your SecureCode, but should instead contact Customer Service immediately by calling the phone number on the back of your enrolled MasterCard card, to report a possible fraud.

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.

Will I be able to make purchases at merchants that accept MasterCard but do not participate in the MasterCard SecureCode program?
Yes, you will not be asked for your SecureCode during these purchases. You will continue to be protected from unauthorized purchases by Zero Liability from MasterCard.

I am a merchant who would like to offer SecureCode to my customers. How do I get more information?
For information on participating in the MasterCard SecureCode service please visit www.securecodemerchant.com.

Security and Privacy

How is SecureCode different from Zero Liability?
Using MasterCard SecureCode provides added security to prevent your cardfrom unauthorized use, and Zero Liability provides coverage if your card has been used fraudulently.

Where can I view Terms and Conditions of the SecureCode program?
Please visit Mercer County State Bank's website for the Terms and Conditions specific to your card.

Where can I review the privacy policy?
Please visit Mercer County State Bank website to review the privacy policy specific to your card.