Your Secret Code is a personal key that protects your online purchases, adding an extra layer of security to your Bit2Me Card. Its creation and use are a fundamental step to comply with the European Payment Services Directive (PSD2), which requires **Strong Customer Authentication (SCA)** to increase security and prevent fraud in all digital operations.
How do I set up my secret code?
After requesting your first Bit2Me Card (physical or virtual), to set up your secret code, simply follow these instructions from the app or web:
Log in to your Bit2Me account and go to the Card section.
Tap the Set up secret code button that you'll see on the main screen of your cards section.
You will receive an **SMS with a 6-digit code** sent by **Pecunia**, our card provider (or, if you have Push notifications enabled, the code will appear directly on screen). Enter this code to continue.
On the next screen, re-enter your **phone number** to verify your identity.
Create your **personalized 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**.
You will receive an **on-screen notification** confirming whether the process has been successfully completed. 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 functions as a **two-factor validation** system to ensure that only you can authorize payments:
OTP Code: When making an online purchase, you will first receive a 6-digit **OTP code** (one-time password) via SMS or an on-screen Push notification if you have it activated.
Your Secret Code: Next, the payment gateway will ask you to enter your personal **Secret Code** (the one you set up by following the steps in the previous section) to validate and complete the purchase.
How do I modify my secret code?
If you wish to change your secret code for any reason, you can easily do so from the app or web:
Log in to your Bit2Me account and go to the Card section.
Click the Options button.
Select the Modify Secret Code option.
You will receive an **SMS with a 6-digit code** sent by **Pecunia**, our card provider (or, if you have Push notifications activated, the code will appear directly on screen). Enter this code and tap Accept.
On the new screen, enter your **new secret code** twice to confirm it and click Accept.
Once modified, you will see the message **Secret code successfully modified** in green.
If you do not activate **Push notifications**, you will continue to receive your verification code via **SMS from Pecunia**, as before.
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