Twitter LinkedIn Facebook Youtube Youtube Instagram

Print This Page

MasterCard SecureCode™

MasterCard SecureCodeThe MasterCard SecureCode™program provides our debit card customers free added security features for purchases made online from merchants who are also members of MasterCard SecureCode™. 

This added security feature is automatically provided to customers who have The Bank of Missouri debit card and use their card to make purchases online. 

  • Free added security feature.
  • It can only be used for online purchases.
  • You must use your Bank of Missouri debit card(s) for payment to receive this security feature
  • Each qualifying transaction is assessed for risk.
  • Low risk transactions, which are the majority of all transactions, occur with no further action on your part.
  • High risk transactions require that challenge questions be answered before proceeding.
  • In the very rare instance that a transaction is deemed very high risk, the transaction will be blocked from occurring.
  • The online provider must be a MasterCard® SecureCode™merchant to get the security feature.

 

Frequently Asked Questions about MasterCard SecureCode™

How does MasterCard SecureCode work?

Each online transaction made with your Bank of Missouri debit card(s) on a participating merchant site is automatically assessed. Low risk transactions, which make up the large majority of all transactions, will pass through the assessment process with no additional steps on your part.For high risk transactions, a small minority of all transactions, you will be prompted to answer challenge questions.In extremely rare cases, a transaction may be deemed a very high risk transaction and the transaction would be denied.

What happens when I make a transaction?

Low risk transactions, which make up the large majority of all transactions, will pass through the assessment process with no additional steps on your part. In the rare case that a transaction is assessed to be high or very high risk, additional steps must be taken.

What happens if my transaction is deemed to be high risk?

For high risk transactions, a small minority of all transactions, you will be prompted to answer challenge questions. After three incorrect attempts, the card is suspended for one hour. The cardholder must wait one hour before attempting the transaction again. If the cardholder enters the incorrect responses three more times (six total), the authentication process is locked and the cardholder will not be able to perform any internet purchases until the card is unlocked. If your account is locked or you experience other difficulties during the authentication process, please contact The Bank of Missouri for assistance at 1-888-547-6541.

What happens if my transaction is assessed to be very high risk?

In extremely rare cases, a transaction may be deemed a very high risk transaction. Examples would be transactions from certain high risk countries or regions. In these cases, MasterCard SecureCode protects you by declining the transaction. In this case, you will need to contact The Bank of Missouri at 1-888-547-6541 and report the decline code message you received during the attempted transaction. Again, these instances are very rare and remember that a merchant must participate in order for you to receive this security feature.

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.