MasterCard SecureCode

MasterCard SecureCode is a technology of additional protection and a secure way of paying for purchases made in Internet stores. The technology has been developed by the international payment system MasterCard. SecureCode is supported by banks issuing payment cards and by Internet stores. With the SecureCode technology, your payment card is provided with additional protection from unauthorized use.

MasterCard SecureCode

MasterCard SecureCode

How to obtain SecureCode?

When filling out an application for issuing a card, you will have to state whether you would like to use the card for paying the purchases made in Internet stores, as well as to give your current phone number. The bank will register the card in the program MasterCard SecureCode when it is ready.

If you haven’t stated in your application for issuing a payment card that you will use the card for paying the purchases made in Internet stores, you will be able to do it at a later stage, by drawing up an order to include the card into the MasterCard SecureCode programme via the Internet Bank. Activation of such a service will be done within one business day following the receipt of your order.

How to use SecureCode?

When paying for the purchases made in Internet stores, the bank will send a one-time password for approval of secure transaction to the phone number given by you. Upon receipt of the password, you will have to enter it into the dedicated field of the transaction approval form. In a few seconds, the bank will establish the authenticity of the transaction and confirm you are the person making the purchase.

In the event an error occurs when entering the password, the purchase will not be approved.

The password for approval of transaction is valid for the moment of approving only and it will be available to you only.

Should you have any further questions on the program MasterCard SecureCode, please contact Rigensis Bank AS by calling +371 67 555 551 or by sending an e-mail to

Frequently Asked Questions

What is MasterCard SecureCode? MasterCard SecureCode is a technology of secure electronic payments using one-time passwords as additional means of authentication.
What kind of protection is provided by MasterCard SecureCode? By introducing the new solution, multi-level authentication is ensured for the electronic payment. When paying with a card in Internet stores, you confirm that you are the holder of the payment card:
  • By stating the data of your card (number, validity and CVC-code);
  • By entering the one-time password sent to your phone.
If any authentication element is entered in error, the purchase will not be approved.
Thus, even if the data of your card has become available to someone, it will be impossible to complete the purchase without entering the one-time password received on your phone.
How many payment cards can be registered into the MasterCard SecureCode system? All your payment cards can be registered into the MasterCard SecureCode system.
Can I use the MasterCard SecureCode on any computer? Since installation of any special software is not required, you can make purchases with the protection of MasterCard SecureCode on any computer or portable device.
How to verify whether an Internet store participates in the program MasterCard SecureCode? Many Internet stores, which are participants of the program of secure electronic payments, place the MasterCard SecureCode logo on their sites.
But even if you do not see it, nevertheless, the Internet store may be a participant of the program - in such a case, during the process of making the purchase, you will be sent a one-time password, and you will see a request for the password in the payment approval form.
What changes are introduced by MasterCard SecureCode to making purchases in the Internet? The process of making purchases in the Internet is not changed, except for entering a one-time password to approve a transaction. The one-time password is valid only for approving the particular transaction and it may only be used once.
Will I be able to make purchases from merchants who accept MasterCard but do not participate in the program MasterCard SecureCode? Yes, during the process of approval of such a transaction you will not need to enter the one-time password. In such cases, only the first level authentication is performed - the cardholder enters the data of the card only.
What must be done, if my phone number is changed? For the purposes of changing your current phone number, you need to send a notification via Internet Bank and state therein the last 4 digits of the card number and the new phone number.
We update the information within one business day following the receipt of your order.