How do I set up or change my secret code?

Your Secret Code is a personal key that protects your online purchases, adding an extra layer of security to your Bit2Me Card. The creation and use of this code is a fundamental step in complying with the European Payment Services Directive (PSD2), which requires Strong Customer Authentication (SCA) to increase security and prevent fraud in all digital transactions.

In the following article, you will find all the information about the functionality and setup of your secret code:

• How to set up my secret code?
• How does the secret code work?
• How to change my secret code?

How to set up my secret code?

After requesting your first Bit2Me Card (physical or virtual), to set your secret code, just follow these instructions from the app or web:

1. Log in to your Bit2Me account and go to the "Card" section. 

2. Press the  Set secret code  button that you will see on the main screen of your cards section.

3. You will receive an SMS with a 6-digit code sent by Pecunia, our card provider. Enter this code on the screen to continue.

4. On the next screen, re-enter your phone number to verify your identity.

5. Create your custom secret code. Remember that it must meet the following requirements:

   • Minimum 8 characters.

   • At least one uppercase letter.

   • At least one lowercase letter.

   • At least one number.

6. You will receive a notification on the screen confirming if the process has been completed successfully. If an error occurs, you will need to repeat the previous steps.

How does the secret code work?

The Secret Code is your digital signature for online purchases. It works as a two-factor authentication system to ensure that only you can authorize payments:

1. OTP Code via SMS: When making an online purchase, you will first receive a 6-digit OTP (One-Time Password) code on the phone you registered.

2. Your Secret Code: Next, the payment gateway will ask you to enter your personal Secret Code (the one you created in the previous step) to validate and complete the purchase.

How to change my secret code?

If you wish to change your secret code for any reason, you can do so easily from the app or web:

1. Log in to your Bit2Me account and go to the "Card" section.

2. Click on the  Options  button.

3. Select the  Modify Secret Code  option.

4. You will receive an SMS with a 6-digit code sent by Pecunia, our card provider. Enter this code on the screen and press  Accept 

5. On the new screen, enter your new secret code twice to confirm it and click on  Accept 

6. Once modified, you will see the message Secret code successfully modified in green.