Mastercard® SecureCode Frequently Asked Questions

Q: What is Mastercard SecureCode?

A: Mastercard SecureCode is a service to enhance your existing Mastercard credit card or debit card. With a private code - similar to a PIN - you get protection against unauthorized use of your card when you shop at participating online retailers.

Q: How does Mastercard SecureCode work?

A: Once you've registered and created your own private SecureCode, you’ll be automatically prompted by Orange County’s Credit Union at checkout to provide your SecureCode each time you make a purchase with your registered credit card or debit card at a participating online merchant. Your SecureCode is quickly confirmed by the Credit Union 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.

Q: How does Mastercard SecureCode protect me?

A: When you correctly enter your SecureCode when making a purchase at a participating online merchant, you confirm that you’re the authorized cardholder and your purchase will be completed. If an incorrect SecureCode is entered, the purchase won’t go through. 

Q: Will I have to get a new card to use SecureCode?

A: You’ll be able to use any of your existing Mastercard credit or debit cards.

Q: How do I register?

A: Register your Mastercard card at SecureCode here: Mastercard SecureCode Login/ Registration

Additional Assistance with Mastercard SecureCode: Call (866) 707-6819              

Q: How many cards can I register with SecureCode?

A: We encourage you to register all of your Mastercard cards. There’s no limit to how many cards you can register.

Q: What should I do if I can't remember my SecureCode?

A: You may be prompted to reset your SecureCode or you can contact us at (888) 354-6228.

Q: What if my SecureCode fails or I receive an error message?

A: You should contact us at (888) 354-6228. Tell the member service representative the message that you received.

Q: What happens if I cancel my card and then get a new one with a different account number?

A: You’ll need to register the new card for SecureCode. Simply return to the registration site and complete the registration process with your new card.

Q: How do I know whether a merchant participates in SecureCode?

A: 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.

Q: How will the online merchant know that I'm registered for SecureCode?

A: When you use a card that’s enrolled in the SecureCode program at participating online merchants, the merchant automatically recognizes your Mastercard at the time of the transaction.

Q: What happens when I use my SecureCode at a participating merchant?

A: When you make a purchase at a participating merchant and enter your registered Mastercard payment details, you’ll automatically be prompted by Orange County’s Credit Union 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.

Q: How will SecureCode change the online purchase process?

A: The online purchase process won’t change other than that you will be prompted to provide your SecureCode during checkout. Your SecureCode will never be revealed to the merchant during the checkout process.

Q: Will I be able to make purchases at merchants that accept Mastercard, but don’t participate in SecureCode?

A: If you make a purchase at a merchant that doesn’t participate in SecureCode, you won’t be asked for your SecureCode. You’ll continue to be protected from unauthorized purchases by Zero Liability from Mastercard.