Information on the Mastercard Identity Check procedure
The EU directive PSD2 has been in force since September 2019 and requires stricter security measures against online fraud in payment transactions. With the Mastercard Identity Check procedure, you are protected against unauthorized use of your debit card by third parties when you make online card payments in web shops.
Questions & Answers
You can use your new debit card with all Online Merchants that accept Mastercard. For these payments it is necessary to enter the 16-digit card number / PAN (front of the card), the 3-digit verification number (back of the card) and personal data on the payment page of the online retailer.
In order to check the card payment, the online retailer sends a request to the bank in the background. As part of this process, the customer is requested to approve the payment using biometrics (fingerprint / face ID) or ATC (authorization code) via the MobileBanking app.
After a successful verification, the bank confirms the payment and completes the purchase.
All new debit cards are automatically registered for the Mastercard Identity Check procedure at the end of April 2021.
This does not apply to cardholders of the MegaCard 10 – 13.
The deactivation of the Mastercard Identity Check procedure is possible in the 24You Online banking and in the
MobileBanking app. This does not affect the ability to pay at POS terminals or withdraw cash from ATMs.
You can currently deactivate the Mastercard Identity Check procedure in the 24You Online banking (cards & service / debit cards), in the MobileBanking app (products / cards) or by contacting our customer service.
Yes of course. You can reactivate the debit card for online card payments in the 24You Online banking, in the MobileBanking app or by contacting our customer service
If you suspect misuse, theft or loss of your debit card, please blocked it immediately in your Online banking or by contacting our 24h ServiceLine +43 (0) 5 05 05-25.
Once the card it is blocked, online card payments in web shops are no longer possible.
Customers who still have a Maestro debit card and would like to make online card payments in the web shop must first register for the free Mastercard Identity Check procedure in the 24You Online banking (Cards & Service - Debit Cards). The prerequisite for online card payments is the acceptance of Maestro debit cards by the online retailer.
The Mastercard Identity Check procedure is automatically unblocked after 12 hours. For an unblocking in advance, please contact the internet banking-Hotline: +43 (0)5 05 05-26100.
