How Mastercard® Identity Check helps keep you safer online

Online shopping certainly makes life easier. With just a few clicks, you can virtually have the world delivered to your door. And at Westpac it’s our job to keep you safer while you’re shopping online, and to make sure the only person making purchases with your credit or debit card is you.

We’ve now introduced  a quick and easy extra layer of security called ‘Mastercard® Identity Check’ that helps us make sure it’s definitely you (and not someone pretending to be you with your card) online.

Here's how it works

  1. When you make a purchase at some online retailers you may see an extra screen pop up while your payment is being processed. This could be because it’s a high-value purchase or one we think is unusual for you.

  2. We’ll instantly send you a Passcode via text message to your phone. That’s why it’s important we have your mobile number. 

  3. Enter this Passcode and we can then complete your transaction. It’s quick, easy and it won’t slow you down. It just keeps you safe.

If you’re the main cardholder and you have additional cardholders on your account, please let them know we will be sending the Passcode to you – even if they are making the purchase.

Are your details up to date?

Please make sure the mobile phone number and email address we have for you are correct.

If we can’t send the Passcode to you, the transaction can’t be approved. You can update your details in Westpac One or by calling us on 0800 Westpac (0800 937 8722).

Got questions? We've got the answer.

When you make a purchase at some online retailers you may see an extra screen pop up while your payment is being processed. This could be because it’s a high-value purchase or one we think is unusual for you.

Mastercard Identity Check adds an extra layer of security by helping to confirm your identity through a one time Passcode for some online transactions, such as when it’s a high-value purchase or one that’s unusual for you.

No, all Westpac Debit and Credit Mastercards are automatically enrolled in Mastercard Identity Check.

When you correctly enter the Passcode during an online purchase you confirm that you are the authorised cardholder and your purchase continues. If the Passcode is answered incorrectly, the purchase will not go through.

Check the details on the screen of where the Passcode has been sent to, if this is not your phone number or email address update your details in Westpac One® and then select ‘Resend Passcode’.

Go to Westpac One, Settings – Profile – Personal Details to update your contact details.

Yes, any updates you make to your contact details in Westpac One will instantly be available for a Passcode to be sent to.

The Passcode will be 6 digits in length.