Online Shopping Security

PROTECT YOURSELF FROM FRAUDULENT USE OF YOUR PACIFIC TRUST BANK MASTERMONEY CARD ACCOUNT NUMBER. SIGN UP FOR MASTERCARD'S SECURE CODE.

Are you worried that, when you give out your MasterMoney Card account number to an online merchant, someone could use it to make fraudulent purchases on your account?

When you shop online and pay for purchases with your MasterMoney Card, you can protect yourself from potential fraudulent use of your account number though MasterCard's SecureCode program.

Click Here for more information and to sign-up today for your own MasterCard SecureCode.

MasterCard® SecureCode is a new service to enhance your existing MasterMoney Card 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.

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 online merchant and enter your registered MasterCard payment details, you will automatically be prompted by your financial institution 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 your financial institution. 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.

For more information about the MasterMoney® Card, please contact our Telephone Banking Center Representatives at (619) 498-0081 or (877) 441-BANK.