MasterCard ID Check

MasterCard ID Check is a service offered by First Citizens to our MasterCard credit cardholders which strengthens the security of and confidence in online shopping with your First Citizens credit card.

The MasterCard ID Check service strengthens the security of your First Citizens online shopping experience by capturing key data elements during your online shopping. This information is then utilized to analyze and trend customer behaviour to authenticate your online purchase.

When you shop online at participating merchant sites you will see the MasterCard ID Check badge.          

Whether you’re using a desktop, mobile or other digital device, you may be guided through an additional check to verify your identity. This helps the bank know you’re really you, and it better protects you from fraud.

This service helps make shopping online more secure by protecting against unauthorized use of your MasterCard.

The MasterCard ID Check service provides enhanced security and confidence for your online purchases.

Through this service, you have an added layer of protection that helps reduce the unauthorized use of your MasterCard while shopping online. This service helps the bank know you’re really you and most importantly it helps to protect you from fraud.

No Hassle, No inconvenience. No Enrolment – No Confirmation – No Purchase. Only Peace of Mind. And it is FREE of charge.

First Citizens MasterCard cardholders are automatically enrolled for the service when you complete an online transaction.

• In situation (i) your transaction would be declined however,
• In situation (ii) and (iii) you would not be required to take any action. You can proceed with your online shopping.

Yes. This service was designed for both MasterCard credit and prepaid cards when shopping online.

This service automatically works at checkout with participating merchants. Remember, there is no need to download anything, install software or register your account to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you are you and protect you from fraud.

As you complete the transaction, you may be prompted to verify your identity if additional authentication is required. It’s important to take special precautions when shopping online. This extra verification step helps ensure the person using your card is you.

You will receive a one-time passcode to your email on file. If you encounter this extra step, simply follow the instructions on your screen to verify your identity.

No. Although the MasterCard Secure Code name is no longer in use, the same technology is in place to help protect you. In fact, this service was enhanced to make transactions more secure and the user experience more seamless.

This service is free to all First Citizens MasterCard cardholders.

• All cardholders are automatically enrolled for the service upon completion of an online transaction. Enrollment into this service strengthens the security of your online transactions at 3D Secure Merchants.
• Enrollment is completed per card.

All of your First Citizens MasterCard credit cards would be enrolled for this service. There is no limit.

No enrollment, No Confirmation, No Purchase. You enjoy enhanced security and confidence in your online purchases.

The MasterCard ID Check service applies only to online merchants and therefore improves the security of your online shopping experience.

No. Only participating MasterCard ID Check merchants will display (i) the MasterCard ID Check Secure logo.
NB. An online merchant can offer the MasterCard ID Check service only if his/her bank offers the service to their merchants.
If the merchant does not use the MasterCard ID Check service, then the MasterCard Check ID logo will not be displayed.

Yes, you can. If the online merchant does not use the MasterCard ID Check service, then the purchase order will be authorized by the bank once you click the “Place Order” button.
There will be no display of the Visa Secure logo on the payment page.

Yes. You can shop immediately as all existing cardholders are automatically enrolled for this service upon completion of an online transaction, no waiting period is necessary. If you just received a new credit card, the same applies.

• Verify that the merchant is a participating Visa Secure merchant by looking for the MasterCard Check ID logo on the payment page.
• If no logo appears, then it is ok; there should be no request for authentication, as the merchant is not registered for the service.
• Verify if you received the One Time Password OTP is you are prompted for a 6 digit code. The OTP will be sent to your email address on file.
• If the issue persists send us a secure message via your Online Banking or send an email to authorization@firstcitizenstt.com

If you have questions or need assistance you can send us a secure message via your Online Banking or send an email to authorization@firstcitizenstt.com