Simple, integrated online authentication for a better customer experience

Consumers love the convenience of online shopping. Unfortunately, the risk of fraud sometimes gives them a reason not to buy. Mastercard Identity Check addresses shoppers’ concerns about the security of online shopping while also helping to minimize eCommerce chargebacks to merchants.

Identity Check answers the need for payment guarantee and cardholder authentication by providing shoppers with a unique personal code for their transactions. And Mastercard Identity Check Plus enhances this solution by integrating data into your website, making authentication seamless for online shoppers.

How Mastercard Identity Check works

Like the familiar ATM authentication process, shoppers enter their Identity Check in an issuer-provided window before their online transaction can be authorized. In seconds, the issuer confirms it is the true cardholder performing the transaction. The participating merchant gets explicit evidence of an authorized purchase (authentication data) — all with minimal cost impact and time investment.

Get started

To become an Identity Check merchant:

1. Contact your transaction processor to ensure it supports Mastercard Identity Check. If it does not, please send an email to SecureCode_Customer_Support@mastercard.com and a Mastercard representative will contact you directly. 
2. Load an Identity Check-compliant merchant plug-in application on your server, available from compliant vendors. Alternatively, you can contract with a hosted service to perform the authentication process for you. For a list of Identity Check-compliant vendors, visit Identity Check technology vendors.
3. Conduct a simple test with Mastercard to help check that you’re ready to go.
4. Add the Mastercard Identity Check program identifier to your Web site to let customers know you are working to secure their online shopping experience. Download artwork