AIB Credit Card Mastercard SecureCode FAQs

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    What is Mastercard SecureCode?

    Mastercard SecureCode makes online shopping more secure. It adds one more quick step to the process to make buying online a lot safer.

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    How do I identify a participating retailer?

    You’ll see this logo on the participating retailer’s website:

     

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    How much does it cost to use the Mastercard SecureCode Service?

    It’s free to use the Mastercard SecureCode service. 

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    Do I need to register my credit card for the Mastercard SecureCode service?

    No, all you need to do is make sure your mobile number is registered with us, because we may send you a one time passcode (OTP) to complete the online transaction.

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    What if I have an authorised user on my credit card?

    The authorised user must also register their mobile number with us to use the Mastercard SecureCode service.

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    What is an OTP?

    OTP is a "one time passcode". It’s a random number we send to your mobile number registered with us. When you enter it, you are completing a more secure level of online card transaction.  

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    How does it work?

    When you use your credit card online and it needs to be verified, a Mastercard SecureCode screen will appear. You will be asked for the last four digits of your mobile number. Then another screen will appear asking you to enter the OTP we sent you by text. When you enter your OTP, you are accepting our Mastercard SecureCode Terms of Service.  

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    How will I know the text is from AIB?

    The sender ID on the text message will be AIB.  We will not ask you for account numbers or PIN numbers. We will only provide the OTP in the text message. 

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    What will the text say?

    Here is a sample of the text we may send you. It will not identify you or your card:

    AIB: For your Mastercard SecureCode transaction at Amazon Digital for EUR 000000000, please use this One Time Code; 12345678 within 5 minutes. Thank you.

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    How long does the OTP last?

    It’s temporary and designed to be used for one transaction, so it’s valid for five minutes. 

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    What if I did not receive my OTP within 5 minutes?

    In the event that you did not receive your OTP within 5 minutes, click on the "Send new one time passcode" link on the Mastercard SecureCode screen and a new OTP will be sent. 

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    What if I did not receive my OTP after clicking on the "Send new one time passcode" link?

    You’ll have 3 attempts of clicking on the "Send new one time passcode" link, then the link will be disabled. If this occurs, please contact us at 1890 242428.

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    My OTP is blocked, what should I do?

    Please contact us at 1890 242428.  

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    What is the registered mobile number?

    The registered mobile number is a mobile number which is linked to your credit card. We will show the last 4 digits of your mobile number on the Mastercard SecureCode screen when we send you the OTP. If you do not have a valid mobile number registered with your credit card, please contact us at 1890 242428.  

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    How can I check what number you have on file in order to text me?

    Please contact us at 1890 242428. 

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    How do I change my mobile number?

    Please contact us at 1890 242428.

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    Why do I need to enter last 4 digits of my registered mobile number?

    This confirms your mobile number and that we are sending the OTP to the correct mobile number.

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    What if I don’t have a mobile phone?

    Please contact us at 1890 242428. 

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    Can I opt out of receiving OTP's?

    No, if you use your card to make an online purchase with a retailer who uses the Mastercard SecureCode service and authentication is required, you will be prompted to enter the OTP sent to you by text message.

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    Is there a cost for text alerts?

    Receiving a text from us will cost you whatever your mobile phone operator charges you for receiving a text.

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    Can I choose not to proceed with the payment?

    Yes, you can click the cancel button on the Mastercard SecureCode screen and this will take you back to the retailer’s website. 

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