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Confirmation of online purchases with Mastercard

As of 1 January 2021, strong identification will be required for all online payments exceeding 30 euros that are made with Mastercards. Strong identification means that payments can no longer be made with a card number and CVC code alone, but the customer must provide strong identification using the Nordea Codes app.

The change is based on the EU’s second Payment Services Directive (PSD2). It will improve the security of online shopping and apply to card payments in any online shops operating within the European Economic Area.  

You don’t need to do much.You will only need to download the Nordea Codes app with your own bank’s online banking codes at either App Store or Google Play Store. 

This is how you can activate the Nordea Codes app regardless of which bank’s customer you are

You can confirm any online purchase payments you made with your Stockmann, Finnair Plus or Tuohi Mastercard easily and securely regardless of where you do your banking.

Just follow the steps below:

1)  First make sure that the phone number in your customer information is correct. You can check or change your phone number as follows:

You can also send a message to our Customer Service via OmapostiOpens new window.

2) Download the Nordea Codes app free of charge at either the App Store or Google Play Store and activate the app with your own bank’s online banking codes.
(With other banks’ online banking codes, you should select the “I only have a Nordea payment card” option when activating the Nordea Codes app.)

When making online purchases from beginning of January 2021 with your Stockmann, Finnair Plus or Tuohi Mastercard, you can provide the required strong identification with the Nordea Codes app. 

If you are already a Nordea personal customer and using the Nordea Codes app, you are not required to do anything. You can use the code app as usual for identification while making online purchases.
(As a Nordea personal customer, you should select the “Nordea personal customer” option when activating the Nordea Codes app.)

When do I use Nordea’s code app and when do I use my bank’s app/authentication method?

If you have a Stockmann, Finnair Plus or Tuohi Mastercard and you are about to make a payment in an online shop or app, you only need Nordea’s code app to confirm your purchase.  If you are not a Nordea customer, you will use your bank’s (e.g. OP or S-Bank) app/authentication method to verify your identity in all other online services.

If you are a Nordea customer, you can use Nordea’s code app to deliver strong authentication in all other online services in addition to confirming purchases made with your Mastercard.

Using your card online

As online shopping becomes more and more popular, we want to ensure that you can pay with your card securely online. You can pay for your online purchases with your Mastercard if you have allowed your card to be used online and you are using the Nordea Codes app.

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Mastercard Identity Check

Mastercard Identity Check

Mastercard Identity Check (former Mastercard SecureCode) provides enhanced security for online shopping. Merchants that support transactions made with Mastercard Identity Check display the logo on their website.

With this service, you can securely make purchases with your Mastercard in all Finnish and international online stores that carry the Mastercard Identity Check logo. When the transaction is made, both the customer and the vendor are authenticated.

Allowing online usage
Download codes app with other bank's banking codes
Confirming card purchases
Blocking online gambling
Frequently asked questions