MasterCard® Card Security

Helping protect you
from card fraud

Security Features

MasterCard Canada Credit Card Security & Fraud Protection



IN THE CARD. ON THE CARD. BEYOND THE CARD.

MasterCard operates a sophisticated, multi-level fraud monitoring system to help protect cardholders from data compromise and fraud.

CHIP & PIN

New MasterCard cards care being introduced with an embedded computer chip, requiring you to enter a Personal Identification Number (PIN) instead of providing a signature. Chip cards are also virtually impossible to copy, and have the capability of hosting other security applications thereby providing even greater protection.

Learn more about Chip & Pin

FRAUD MONITORING

Sophisticated systems regularly monitor account activity for fraudulent transactions patterns. If fraud or a security compromise is suspected on your MasterCard account, your issuing financial institution will notify you to confirm if the activity is legitimate or not.

MASTERCARD SECURECODE®

Each cardholder participating in the SecureCode program creates a unique personal code known only to the cardholder and the issuing financial institution. This code is requested during the checkout process at participating online stores verifying the purchaser is indeed the cardholder.

Learn more about SecureCode

MASTERCARD PAYPASS®

Cardholders can make purchases quickly and conveniently with a simple tap, rather than swiping or dipping their card. Not only is MasterCard PayPass convenient, but it adds a level of security since the card or PayPass device never leaves the cardholder's hand.

Learn more about PayPass

MORE SECURITY FEATURES

Personal Identification Number – Credit Card Fraud Protection & Security

PERSONAL IDENTIFICATION NUMBER

The cardholder's PIN protects ATM and Purchase transactions from lost or stolen card fraud.

Card Validation Code 2 – Credit Card Fraud Protection & Security

CARD VALIDATION CODE 2

The three-digit code indent printed on the signature panel of a MasterCard card enables retailers to ensure that the cardholder has possession of the card during a phone or online transaction.

To help prevent fraudulent use of your card, here are steps you should take.

  • Sign new cards as soon as you receive them. Safeguard them like cash.
  • Keep your card account numbers and personal identification number (PIN#) in a confidential place and separate from your cards.
  • Check your cards periodically to make sure none are missing.
  • Destroy and dispose of copies of receipts, airline tickets, travel itineraries, anything that displays your card numbers.
  • Memorise your PIN.
  • Check out unfamiliar companies by calling your local consumer protection agency.

  • Don't provide information that you're uncomfortable giving.
  • NEVER give anyone the password that you use to log on to your online account or Internet Service Provider.
  • Don't provide financial account information unless you are paying for a purchase using that account.
Review billing statements online when received and immediately report any unauthorized transactions to your issuing financial institution.

Call the bank or financial institution that issued your card immediately. Your issuer may want to cancel your current card and issue you a new one. Check with your issuer to verify that your mailing address has not been changed.

If you still have your card but fraudulent purchases have been made, call your issuer to report the fraud and request a new card.

Also, contact the credit bureaus to let them know that fraud has occurred. A "Fraud Alert" message will be placed on your file. You should also request a copy of your credit report and review it carefully.

Learn about Fraud Prevention

ZERO LIABILITY PROTECTION

Feel safe from unauthorized fraudulent purchases. On the web. Or anywhere else. You're always secure.

Learn more about Zero Liability

Check with your financial institution to verify they offer all the above referenced features.