What is Mastercard Identity Check?
Mastercard Identity Check is an international security standard for Internet transactions. Mastercard Identity Check helps merchants from online shops and card issuers worldwide to establish whether a transaction is made by the rightful cardholder. As a result, there is a steady increase in the number of online merchants that support this service and offer it to their customers. This service offers you even greater protection when shopping online with your Cembra credit card, as you confirm each online transaction with a temporary 6-figure security code that you receive via SMS. Cembra offers this service free of charge for all the credit cards issued by the bank.
Helpful information for using Mastercard Identity Check
How can I use Mastercard Identity Check? expand_more
We need your current mobile phone number so that you can use Mastercard Identity Check. You can let our customer service know this at any time at +41 44 439 40 20 . You can then automatically use Mastercard Identity Check at every participating online store.
Can Mastercard Identity Check also be used with the additional card? expand_more
Yes. To enable you to also use Mastercard Identity Check with the additional card, as with the main card, we need a valid mobile phone number for the additional cardholder. You can let our customer service know this at any time at +41 44 439 40 20 .
How do I recognise online stores that use Mastercard Identity Check? expand_more
The participating online stores show the Mastercard® Identity Check™ logo on their websites.
Can I also buy items in the Internet without using Mastercard Identity Check when I am requested to do so? expand_more
Mastercard Identity Check is there to ensure safe online purchases. For this reason, the authentication process must be observed for each purchase if the merchant asks for it.
What happens if I don’t receive the SMS with the code? expand_more
In the input window where you have to enter the code, you can resend the SMS to the mobile number which is stored in your Cembra client profile.
If you still don’t receive an SMS, check that your mobile phone is able to receive an SMS and whether you are using the mobile phone with the number that is stored with Cembra.
We don’t have your current mobile phone number? You can let our customer service know this at any time by calling +41 44 439 40 20 .
Who can I contact if my payment is declined for security reasons? expand_more
To deal with rejected payments as quickly as possible, please call us. We can be contacted 24×7 at: +41 44 439 40 20 .
I changed my mobile number. How can I get the SMS code now? expand_more
Is there any change to liability for fraudulent transactions? expand_more
The use of Mastercard Identity Check doesn’t change anything. You still have the option to challenge unauthorised transactions in writing within 30 days provided that you have exercised due care.
Security & data protection
How will I know that the Mastercard Identity Check window is really from Cembra? expand_more
The Mastercard Identity Check window appears only when you have started the payment process for an online purchase requiring Mastercard Identity Check.
The https:// at the start of the web address or a closed padlock indicates that the Mastercard Identity Check window is really from Cembra Money Bank and the connection is secure.
Any other requests such as to register for Mastercard Identity Check or update your personal data do not originate from Cembra.
IMPORTANT: Cembra will never ask you to disclose confidential information about your credit card by e-mail or SMS. Please do not respond to fraudulent enquiries of this nature. These are “phishing” e-mails. Instead, please forward them to us at: antiphishing@cembra.ch .
