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6 Things To Know About Chase Mastercard Securecodes

6 Things To Know About Chase Mastercard Securecodes

Chase MasterCard SecureCode

With physical currency becoming less and less common, and information technology taking over more and more of our daily lives, security is an ever-growing issue.

For these and other reasons, all of the major credit card and payment processing companies have developed their own, proprietary security methods.

For Chase MasterCard, one of the world’s biggest and most popular credit card partnerships, it’s SecureCode.

1Password - Setting Two-Factor Auth...
1Password - Setting Two-Factor Authentication Codes.

On the surface, it looks like little more than an ordinary password system. But SecureCode is unique in at least a few different ways, which we will discuss here.

What is Chase MasterCard SecureCode?

Fortunately, the answer to this question is fairly simple. SecureCode is a code that is known only to the owner of the account, and of course, by the payment provider’s system.

It is effectively an added layer of security designed to protect the data of the user during online transactions. It is free to the card holder and comes with a number of interesting value promises. These include:

  • Fraud risk reduction
  • Guaranteed eCommerce payments
  • Improved user confidence
  • Lower risk of chargebacks for merchants 

Perhaps the most important of these to the average user is reduced fraud risk, and frankly, that is more or less the same as “improved user confidence.”

All in all, it’s pretty simple. When you make an online purchase, you will need to enter your credit card information just as you normally would.

But in addition to that, you will be presented with a pop-up or be redirected to another site where you will be asked to enter your pass code. 

That means, if your card is physically stolen, the thief will not be able to use it to buy things online.

Likewise, if your credit card data is hacked, your SecureCode is still safe since that is up to you to memorize (recommended) or jot it down somewhere. 

So it’s an extra step that adds extra security. It can feel like a hassle if you’re not used to it, but the additional layer of security it adds is quite strong- because your brain is pretty hard to hack into.

In actuality, it’s like using a debit card at a physical store where you have to enter a pin code to complete the transaction. So most people will find it pretty intuitive and easy to use.

How to activate 3D Secure Chase

Current MasterCard customers will need to first check to see if they qualify to enroll in the SecureCard program.

If you already have a debit or credit card with the MasterCard logo on it, you will need to contact your financial institution to find out if your card is eligible, or you can look up a list of participating partner programs.

If you want to start fresh, you can apply for a MasterCard account and select SecureCode from the start.

If you’re determined to get a SecureCode account, you can make sure that it is offered when you sign up. If it is not offered, you can cancel the enrollment process before you complete it.

How do I change my MasterCard SecureCode number?

Users can verify on their secure online code screen using the last 4 digits of the connected mobile phone number and the first four digits.

If your number is incorrect, you will not get an SMS text containing a one-time passcode, therefore, you will not benefit from the service.

That means not just anyone with a mobile phone can change your SecureCode number. Your financial institution must have your correct mobile number. If you change your phone number, be sure to inform your financial institution.

Does Chase have a lock card feature?

Most credit and debit cards have a lock feature that can be activated by unusual transactions, an incident of fraud or identity theft, or by the user reporting the card lost or stolen.

The SecureCode feature itself does not contain any specific locking features.

However, if someone makes too many failed attempts to use the security code feature, it may refuse to allow further attempts until you take action such as contacting your bank.

Final Thoughts

In the final analysis, the system is pretty simple. It is only offered by certain credit and debt programs and it only works with cooperating online merchants.

So, if you want it, make sure it comes with the account you are signing up for before completing the enrollment process.

In everyday use, it adds an extra step to the process of making a purchase online, and if the merchant does not participate in the program, you will not benefit from the added security for the given transaction. 

Where it can be especially useful is in conducting repeated business with specific online vendors which can be tracked relatively easily by online hackers.

You might notice a nominal service fee added to your monthly credit card payments. But if you make a lot of purchases online, it could be well worth the cost.