What is the Mastercard ID Check?

The Mastercard ID Check is an extra check when you pay online using your debit card. It tells us whether you’re really the one making the payment and it helps prevent fraud wherever possible. We don’t perform this check for every payment. You can usually complete the payment without any extra steps.

How does the Mastercard ID Check work?

When paying online using your debit card, you’ll get a message asking you to confirm the payment in the ABN AMRO app. Open the ABN AMRO app and check the payment details. If everything’s correct, confirm the payment in the app and go back to the online shop. It’s that easy!

Do all online shops use Mastercard ID Check?

Online shops use Mastercard ID Check when you pay with a linked debit card, for instance.

Is Mastercard ID Check secure?

Yes. This check was developed to make online payments secure by making sure that you’re really the person making the payment. This reduces the risk of fraud. But it’s still important to be careful when shopping online.

Do I need to register for Mastercard ID Check?

No, you don’t need to sign up, register or enable anything.

How do I know whether an online shop uses Mastercard ID Check?

If an online shop uses this check, you might be sent to a secure page during the payment process to confirm your payment.

The check was successful, but the payment wasn’t. How is this possible?

Before you make the payment, the Mastercard ID Check checks whether you're really the one making the payment. Very occasionally, the bank blocks the payment if fraud is suspected. The payment might also fail for other reasons related to your account or debit card. These include: Your account balance is too low The amount you need to pay is higher than your daily online limit

Pay securely online

With Mastercard ID Check

Your debit card lets you pay fast and securely online, usually without any extra steps. Sometimes we ask you to approve a payment using the ABN AMRO app. This is known as the Mastercard ID Check and it helps us make sure you’re the person making the purchase, not someone else.

Need to do the extra check? Confirm the payment with a tap in the ABN AMRO app.

Your debit card is checked at the speed of light.

Thanks to this extra check, we can be sure it’s you, so it’s all secure.

Here’s how the Mastercard ID Check works

Pay online with your debit card

When paying in an online shop, choose the option to pay with your debit card. You can usually complete the payment without any extra steps, but we’ll sometimes ask you to confirm a payment using the ABN AMRO app.

Confirm your payment in the app

Open the ABN AMRO app and check the payment details. Then confirm the payment.

Your payment is complete

You’ve paid and can go back to the online shop. It’s that easy!