Taking Credit Cards

Accepting MasterCard Online

Consumers are going online in droves. MasterCard's SecureCode program makes it possible for retailers to accept MasterCard online in a highly secure operating environment.

Credit cards are the primary payment option for online consumers.

And as more and more consumers opt to purchase through PCs, laptops, and even mobile devices, the importance of accepting credit cards online will only increase, making it more critical than ever for e-commerce business to accept MasterCard online.

MasterCard, Visa, and American Express are the undisputed kings of the consumer credit card industry. The average U.S. consumer has (get ready for this) as astounding nine open credit cards, and there is a good chance that at least one of them is MasterCard. By offering MasterCard as an online payment option, your business can tap into the growing numbers of consumers who prefer to purchase online and to pay with a MasterCard.

Consumers have also grown accustomed to the substantial security features offered by major credit companies like MasterCard. To protect both its cardholders and merchants, MasterCard has developed a "SecureCode" system. If you're an e-commerce with plans to offer MasterCard as a payment option, you'll need to educate yourself about SecureCode ASAP.

MasterCard SecureCode Overview

MasterCard's SecureCode program is security system that requires issuing banks to recognize their cardholders and authenticate their online transactions. It's designed to prevent chargebacks based on unauthorized or unrecognized online purchases. When a cardholder places an order through a MasterCard online merchant, the system requires them to submit a unique personal code (the three numbers on the back of the card). The system then matches the code to the card and approves the transaction.

How To Access SecureCode Features

It's important to make sure that your transaction processor supports SecureCode. If they don't, you'll need to contact MasterCard to resolve the issue. If they do, they should be able to help you install a SecureCode plug-in on your website. This plug-in is necessary to accept MasterCard payments online because without it, your site won't be able to recognize or support the personal code verification process. Once the plug-in has been installed, you'll need to test it with MasterCard to ensure that the system is working properly. If so, it's all systems go and you're ready to start accepting MasterCard payments from your customers. Display the MasterCard SecureCode logo prominently on your site and/or payment page, and start enjoying the benefits of an authorized MasterCard online merchant.

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