How Mastercard® ID Check helps keep you safer online
Online shopping certainly makes life easier. With just a few clicks, you can virtually have the world delivered to your door. And at First Credit Union it’s our job to keep you safer while you’re shopping online, and to make sure the only person making purchases with your Mastercard is you.
In the next couple of months we'll be introducing a quick and easy extra layer of security called Mastercard® ID Check. Mastercard® ID Check helps us make sure it’s definitely you (and not someone pretending to be you with your card) online.
Here’s how it works
- When you make a purchase at some online retailers you may see an extra screen pop up while your payment is being processed. This could be because it’s a high-value purchase or one we think is unusual for you.
- We’ll instantly send you a One-Time Passcode via SMS or email. That’s why it’s important we have your latest contact details.
- Enter this One-Time Passcode and we can then complete your transaction. It’s quick, easy and it won’t slow you down. It just keeps you safe.
Are your contact details up to date?
Please make sure the mobile phone number and email address we have for you are correct. If we can’t send the One-Time Passcode to you, the purchase can’t be approved. You can update your details by contacting our Call Centre or visiting one of our branches.
Got questions? We've got the answer.
Why am I being asked for a One-Time Passcode?
When you make a purchase at some online retailers you may see an extra screen pop up while your payment is being processed. This could be because it’s a high-value purchase or one we think is unusual for you.
What is Mastercard® ID Check?
Mastercard Identity Check adds an extra layer of security by helping to confirm your identity through a One-Time Passcode for some online purchases, such as when it’s a high-value purchase or one that’s unusual for you.
Do I need to enrol in Mastercard® ID Check?
No, all First Credit Union Debit Mastercards are automatically enrolled in Mastercard ID Check.
How does Mastercard® ID Check protect me?
When you correctly enter the One-Time Passcode during an online purchase you confirm that you are the authorised cardholder and your purchase continues. If the One-Time Passcode is answered incorrectly, the purchase will not go through.
Why haven’t I received a One-Time Passcode?
Check the details on the screen of where the One-Time Passcode has been sent to, if this is not your mobile phone number or email address you’ll need to update your details with us and then select ‘Resend Passcode’.
Where do I go to update my contact details?
You will need to contact us to update your details.
Who do I contact if I need help with my transaction?
We're here to help, simply contact us.
What length should the One-Time Passcode be?
The One-Time Passcode will be 6 digits in length.