MasterCard SecureCode - Assistance

MasterCard SecureCode is a free card protection service we provide in association with MasterCard Worldwide. One-time Passcode (OTP) provides additional protection against unauthorized use of your Huntington Bank card when purchasing online at participating merchants. Every time you make an online purchase, at a participating merchant, a request screen will automatically appear asking you to input your One-time Passcode or answers to specific questions about your account. When you correctly enter this information, Huntington Bank will confirm that you are the authorized cardholder and the transaction will proceed through the payment process.

For more information, please read FAQs (Frequently Asked Questions) below or contact Huntington Bank at the number on the back of your card.

Frequently Asked Questions

3-D secure provides an additional layer of security, outside the traditional transaction authorization process, and helps prevent unauthorized use of cardholder accounts by a 3rd party.
Transactions originating with a 3-D Secured merchant pass through a risk-assessment process set up by Huntington Bank. If the authorization is considered higher risk or out of the norm for you, as a cardholder, you will be prompted to input One-time Passcode or answer a series of questions which will further validate the authenticity of the transaction.
One-time Passcode are sent via SMS to your registered mobile phone number or your registered email address on file. You can also proceed through the authentication process via question and answer verification.
One-time Passcode can be re-sent to your registered mobile number or email address up to 3 times per transaction. After the third attempt, if you still have not received the Passcode, you will have the option to proceed through the authentication process via question and answer verification if the questions exist for your account. You can also call the number on the back of your card for assistance.
For your convenience, all cardholders who do not have a mobile or email address on file will also be asked a series of questions to validate their identity. If you are successful in answering these transactions, you will be able to complete the purchase. If you are unsuccessful in doing so, you will be prompted to call the number on the back of your card for assistance.

We are here to help.

If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

Call Us

To speak to a customer service representative, call (800) 480-2265, daily 7:00 a.m. to 7:00 p.m. ET.