Online payments passcodes

How do I set up an online payments passcode?
‍Please sign in to your account and go to the "Cards" tab. Click on your card number to see its details. Please select the "Create passcode" option and follow instructions to set a passcode for that card. If you have more than one card, you will need to set a passcode for each card.

How do I change my online payments passcode?
‍Please sign in to your account and go to the "Cards" tab. Click on your card number to see its details. Please select "Reset Online Payments Passcode" to change the code.

Will I be asked for a passcode for every online transaction?
‍No, it is down to the merchant themselves whether they will ask for a passcode. For example, some merchants will request this for each transaction you make with them, whereas others may only request it for high-value transactions, or even not at all.

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Why do I need to enter a passcode when I make some online transactions with my Equals Spend card?
‍Mastercard has asked that we (along with other payment providers like us) implement this additional security measure. Requesting passcodes is an excellent way of protecting you against online fraud as it ensures that you are authorising the transaction.

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Is my passcode the same as my password for my Equals Spend account?
‍No, these are not the same. Your passcode is used when you make transactions online using your Equals Spend card. Your Equals Spend password is used only when you wish to sign in on the Equals Money website or mobile app. We recommend that you set something different for your password and passcode.

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