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Secure online purchases

MasterCard SecureCode

MasterCard SecureCode

  • Free service for more secure Internet purchases
  • We will integrate your bank cards with the programme automatically
  • Convenient and user-friendly

“3D Secure” is a solution created by international card organisations that employs additional identification of the cardholder to make buying via the Internet more secure than it has been to date. This will reduce the potential for any card fraud online. Even if someone copies your bank card information, they will not be able to, based on that information alone, pay for purchases at online shops that have joined the programme.

We will integrate all your Mastercard and Visa bank cards that can be used for payments via the Internet with the 3D Secure programme automatically. Use of the programme is free and means just one additional identification when paying via the Internet.

Those online shops that have joined this security system will feature the Mastercard SecureCode and/or Verified by Visa logo. To date, all of Estonia’s online shops have joined the programme.

How does the 3D Secure programme work?

MasterCard SecureCode

  1. When paying for goods or services at an online shop, once you have entered your bank card details you will be directed to the webpage of the SEB Internet Bank, where you will be asked to identify your person to confirm payment. For this, enter your SEB Internet Bank username, select a method of authentication and enter your password.
  2. In the event of a successful authentication, you will be re-directed to the merchant, and the purchase transaction will continue as per usual.
  3. Should authentication fail, an alternative method of payment is to be selected for the merchant (an alternative bankcard or a bank link for Estonian merchants)


1. What SEB cards can be used to pay at online shops?

From SEB credit cards you can use for payments via Internet the Visa and MasterCard credit cards and from debit cards the MasterCard debit card, Virtual Card, Business-, Gold- and Platinum cards, Picture Card and ITIC and ISIC cards, bearing the MasterCard logo.

2. Which card rights should be activated in Internet Bank in order to pay with the card at online shops?

You can pay with the card at online shops, if the card agreement allows transactions on the “Internet” and “Purchases”. You can view and change your valid rights from the Internet Bank menu “Transactions” → “Cards”. If the transaction fails, please check the limits set for the card.

3. How can I, as a cardholder, join the 3D Secure programme?

For this, you do not need to do anything. We will integrate all SEB bank cards bearing the MasterCard and Visa logo with the programme automatically.

4. What to do if authentication fails?

In that case, press the “Cancel” button, and you will be re-directed to the merchant to select an alternative method of payment.

5. What to do if I have entered my username or codes incorrectly?

If a username or codes are entered incorrectly three times in a row, SEB will block the user account on the Internet Bank for 12 hours. For a speedier re-opening of your user account, contact the bank.

6. How do I know if a merchant has joined the 3D Secure programme?

The websites of all merchants that have joined the programme will feature the MasterCard SecureCode and/or Verified by Visa logo. To date, the programme has been joined by all online merchants in Estonia that use the services of banks operating in Estonia.

7. What to do if a merchant has not joined the 3D Secure programme?

If a merchant has not joined this programme, a customer will not be asked to identify themselves when buying from an online shop.

If you are not completely certain as to the security of a webpage, yet wish to buy from it nonetheless, we advise you to create for yourself a Virtual Card, which will be valid for 40 days only and on which you will be able to set the limit needed for your purchase. Should the information of your Virtual Card come into the hands of a fraudster after a purchase, they will not be able to do a thing with it, as the card will have no funds on it and will soon expire.




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