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Shopping securely online

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Mastercard Identity Check, Visa Secure and eftpos Secure

Mastercard Identity Check, Visa Secure and eftpos Secure are free services that protect your card against unauthorised transactions, giving you confidence when shopping online with your Bendigo Bank debit or credit card.

Mastercard Identity Check, Visa Secure and eftpos Secure offer protection by requesting that you verify your identity when making purchases at participating online retailers - giving you the added confidence that only you can use your Bendigo Bank debit or credit card.

A One Time Password (OTP) is a single use 6-digit password used to verify the identity of a customer. The OTP will be sent to the mobile phone number or email address Bendigo Bank has on file.

The communication between you and Bendigo Bank is also not visible to the merchant and none of your account information, including your customer number, is ever shared with the merchant.

There are no additional fees for having Mastercard Identity Check, Visa Secure or eftpos Secure, these services are free and will work with your existing Bendigo Bank debit or credit card.

The only difference between Mastercard Identity Check, Visa Secure and eftpos Secure is the branding which is based on the type of card you are using to complete your online purchase. The technology that is used to authenticate you during the purchase remains the same.

Not all online retailers participate in these services which means you won't be asked to verify your identity at every online purchase. Registered retailers will display the Mastercard Identity Check, Visa Secure or eftpos Secure logo on their website. You may have noticed the logos on such sites as or

If you do not wish to verify your identity when shopping online with your Bendigo Bank debit or credit card you cannot bypass the window which requests your customer number. If you are unable to provide your customer number you will be returned to the online store with the option to continue with another form of payment.

For more information on the Mastercard Identity Check Service, Visa Secure or eftpos Secure:

Visit a Bendigo Bank branch, or call 1300 236 344 for assistance.

After hours please call 1800 035 383 and select option 4 or if calling from overseas call +61 3 5485 7872 and select option 4.

Mastercard® Click to Pay

Mastercard Click to Pay lets you store your card details securely so there’s no need to enter them every time you make an online purchase.

Just look for the the Click to Pay logo when you check out.

How to register for Click to Pay

You’ll need to setup a Click to Pay profile. Do this when you check out (if the Click to Pay logo is present) or through the Mastercard Click to Pay website.

Enter your email address and receive a One Time Password (OTP).

Then, enter your card details and shipping address to complete your registration.

How to use Click to Pay

When you check out:

  1. Choose the Click to Pay logo
  2. Choose your preferred card
  3. Click ‘Pay’

When you check out for the first time using Click to Pay, you’ll receive a One Time Password (OTP).

After verifying the OTP, your device or browser is remembered so you won’t need to enter a password again.

Adding multiple cards to Click to Pay

You can add more cards by selecting the + symbol in your Click to Pay profile.

You’ll need to go through the registration process again.

A separate shipping address can also be added.

How to update shipping and contact details

You can make updates via your Click to Pay profile.

Click to Pay security

Click to Pay is safe and secure.

Businesses won’t access your card number. Click to Pay stores your details securely using an encrypted, virtual card number (also known as a token) so you can shop online with peace of mind.

As always, when you shop using your Mastercard, you’re also protected from unauthorised transactions with Zero Liability Protection5 and Mastercard Identity Check.

Things you should know


Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

5Mastercard Zero Liability

Conditions for protection apply, see

The Click to Pay icon is a trademark owned by and used with permission of EMVCo, LLC

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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