Mastercard security

You should not have to worry about your credit card security and privacy. At MBNA, we have taken specific measures to make sure your valuable information remains protected.

  • Our secure encryption technology keeps your information confidential.
  • If an unauthorized charge appears on your statement, call us immediately so we can protect your account from further misuse.

With MBNA, you won't be held responsible for any unauthorized use of your credit device (i.e. card plastic), PIN or account number, provided you take reasonable steps to protect each of them against loss and theft and you cooperate fully with any investigation into any such unauthorized use. You can feel comfortable knowing your information is being valued and protected.

See your Account Agreement for full details.

Your security is a top priority at MBNA. Our real-time fraud detection system monitors your account 24/7 days a week for any transactions that appear out of character or that we suspect may be fraudulent. Here are the key features you will get with your MBNA credit card:

  • Mastercard® Zero Liability: As a Mastercard® credit card cardholder, you will not be responsible for unauthorized purchases made in the store, over the telephone or online. (Some conditions apply; see your Account agreement for details)
  • Card Verification Code (CVC): All our credit cards use a CVC code that can normally be found on the signature strip on the back of a credit card (the last 3 digits). The purpose of this is to verify that the genuine credit card is being used to make the purchase.
  • Chip & PIN: All of our cards are Chip & PIN enabled, which is one of the most secure ways to pay by credit card. Instead of a signature, you will be asked to enter a 4-digit Personal Identification Number (PIN) known only by you. Learn more about Chip & PIN.

Chip & PIN is state-of-the art technology which is widely used in most parts of the world. It's helping to make an already safe system even more secure by providing enhanced protection against lost, stolen, and counterfeit card fraud.

The introduction of Chip & PIN involves embedding a microchip into your credit card. The encrypted chip securely stores and processes data and provides enhanced security and protection to help guard against fraud.

mastercard-chip

Chip & PIN credit cards are virtually impossible to copy due to the encrypted chip in the card. When used at retail locations and automated teller machines (ATMs) with chip-enabled terminals, the system validates the chip as well as your PIN. This provides you with an extra layer of security above and beyond the chip, because your PIN is unique to you.

Yes. The encrypted chip from the Chip & PIN credit card includes a range of security measures that work together to provide multi-layered protection against fraud. The enhanced security features of Chip & PIN credit cards also make them virtually impossible to replicate and therefore less likely to be a target for criminals.

In addition, MBNA's fraud detection systems continue to protect you around-the-clock for even more security and peace of mind.

You can use your Chip & PIN card at any retail location or ATM around the world where Mastercard® credit cards are accepted. If you shop at a merchant that does not yet have a chip-reading terminal, the merchant will swipe the card and you will sign the receipt as usual.

If a retail store does not yet have a chip-enabled terminal, your credit card will be swiped and your card's magnetic stripe with your signature will complete the purchase.

When making a purchase using your chip credit card at a chip-enabled terminal, rather than swiping your credit card, you insert it into the terminal and leave it there for the entire transaction. The chip-enabled terminal will prompt you on next steps. You will enter your unique 4-digit PIN instead of verifying the transaction with a signature. Once the transaction is complete, remove your credit card when prompted. This completes the transaction.

Transactions made online or over the telephone with your Chip & PIN credit card are conducted the same as your non-chip credit card. This may include using your 3-digit verification code on the back of the card. Never give your PIN to anyone; it's not needed for online or telephone transactions.

Yes, your Chip & PIN credit card can be used anywhere in the world where Mastercard® is accepted. Most countries have already adopted chip technology and Canadian chip credit cards will be fully compatible with these systems. In countries that have yet to switch to chip technology or do not plan to, cardholders will be able to use the magnetic stripe on the back of their Chip & PIN credit cards.

To securely obtain a PIN, or to change it at any time, call us at 1.888.876.6262. If you're registered for online banking, you can also securely view your PIN online by logging into Online Banking. A brochure detailing additional information about Chip & PIN technology will also be sent along with your new or replacement MBNA Chip & PIN Mastercard® credit card.

Yes. All cardholders on the account will need a PIN to utilize their account at chip-enabled terminals.

Your PIN is unique to you and it must be kept confidential. To protect yourself against unauthorized use of your account, you should memorize your PIN and not carry it with you. Never lend your card or disclose your PIN to anyone, including our own Customer Service Representatives. Your PIN is only required at chip-enabled and ATM terminals. Never disclose your PIN over the phone, internet or when making a mail order transaction.

There are three ways to change or reset your MBNA Credit Card PIN:

  1. Log into your account at www.mbna.ca and select "My account" then "Account Services". Once you've selected "Account Services", select the "Manage your Personal Identification Number (PIN) - View, Change, or Unblock your PIN" option to change or reset your PIN.
  2. Log into your Mobile App, select your desired account and choose the "More account options" menu and then the "Manage your Personal Identification Number (PIN) - View, Change, or Unblock your PIN" option to change or reset your PIN.
  3. Call us at 1-888-876-6262 and select the self-serve option to change your MBNA credit card PIN.
    For hearing impaired customers - MBNA offers TDD(Telecommunications Device for the Deaf)/TTY (teletypewriter) support at a dedicated TDD/TTY number 1-800-872-5758.

Mastercard PayPass is a contactless payment feature on your MBNA Mastercard® credit card that contains an embedded chip and radio frequency antenna. It's a safe and secure way to transmit your payment details wirelessly. At participating merchants there is no longer a need to swipe your credit card or hand it to a merchant. Just Tap & Go®™.

The best thing about using your Mastercard® PayPass® for transactions is that it never leaves your hand. In other words, you have added security by knowing where your credit card is at all times. You can use your Mastercard® PayPass® at millions of international locations where PayPass® is accepted. It's a great way to pay when you want to get in and out quickly, like at fast food restaurants, grocery stores, movie theatres or gas stations.

Simply tap your Mastercard® PayPass® on the PayPass® terminal (rather than swiping your credit card) and your account details will be immediately communicated to the reader, then processed through the highly-trusted Mastercard® acceptance network. Shortly after tapping the reader, a green light will flash, and you'll receive payment confirmation. For purchases above the set limit, a cardholder signature or PIN verification is usually required. It's as easy as that.

You can use it anywhere you see the Mastercard® PayPass® symbol.

 If you don't see the symbol, your credit card can still be swiped or inserted into the chip credit card reader at checkout. Mastercard® PayPass® is currently accepted at many merchants with more are being added all of the time. See the full list of Mastercard® PayPass® merchants.

When making a transaction, your Mastercard® PayPass® credit card never leaves your hand during payment; so you're always in control. With Mastercard® Zero Liability, you won't be stuck paying for any unauthorized use of your credit card or account (some conditions apply; see your Account Agreement for details). In addition, you can feel secure that PayPass® transactions are processed through the same secure and reliable payment network as all other Mastercard® transactions.

Call us at 1-888-876-6262 to learn how you can get Mastercard® PayPass®.

Just look for the Mastercard® PayPass® logo on the right side of your credit card. 

Image-Logos-Paypass

The clerk has to initiate a transaction, so it doesn't matter how many times a credit card is read by the PayPass® reader. The charge will only appear once on your statement.

Carry your Mastercard® PayPass® as you would any credit card. Always know where your credit card is and keep it in a safe place.

To keep your Mastercard® PayPass® transactions easy and convenient, select merchants have waived the need for a signature/PIN for smaller purchases. The exact dollar amount varies from merchant to merchant, but is generally below $50. For purchases above that limit, a cardholder signature or PIN verification is usually required.

Your Mastercard® PayPass® has the same Mastercard® Zero Liability protection as it always has. Please be sure to contact us immediately at 1-888-876-6262 if you suspect your credit card has been lost or stolen or if you suspect your credit card or account has been used without your authorization.