The value of VbV for you:

• Reduction in the number of chargebacks for online sales
• Visa^® cardholders have increased confidence while shopping online
• Minimal impact to your existing checkout process
• User-friendly experience for you and your customers
• Merchant Plug-In software is easily installed and can be readily integrated into existing e-commerce systems

The value of VbV for your customers:

• Greater protection against unauthorized use of their
  Visa card(s) for online purchases
• Increased confidence and trust when shopping online at a VbV enabled merchant
• User-friendly – no special software or browsers are required
• Ability to quickly identify merchants who offer the added security of VbV when the VbV merchant mark is featured on the web pages

To offer your online customers the VbV service, you'll need to integrate a Merchant Plug-In (MPI) module into your shopping cart/payment site.

Obtaining the MPI module will depend on the method you use for processing your online Visa card transactions. We encourage you to talk with your Acquirer/Payment Processor for more details on your VbV implementation options.

The costs associated with implementing VbV will depend on the method you use to process your online Visa card transactions. Contact your Acquirer/Payment Processor for more information about your VbV implementation options.

No. There is no cost for cardholders to obtain and use a VbV password for their Visa cards.

Visa cardholders who have registered a password with VbV are prompted to enter it when shopping online at a VbV-enabled merchant, the password is then verified by their Visa card issuer. Watch the Online Demo to see how the VbV solution is integrated into the checkout process.

At checkout, the cardholder may be presented with the option to register a VbV password with their Visa card issuer; however, the merchant may decide to allow the transaction to proceed without the VbV cardholder authentication service.

Because VbV is a global service, merchants will continue to benefit from the advanced security regardless of whether your customers live in North America or throughout the world.

VbV is designed to help protect merchants from "fraudulent purchaser" disputes and chargebacks. However, merchants can still receive chargebacks for other reasons. For example, incorrect transaction amount or product not received.

As a VbV enabled merchant, you should display the VbV Merchant Mark on your home page, as well as on your payment page in accordance with the terms and conditions of the VbV Trademark License Agreement.

Click here to access and download the VbV Merchant Mark after reading the VbV Trademark License Agreement.

Without VbV, you will not be protected against "fraudulent purchaser" disputes and chargebacks.

VbV is designed for Visa online payment authentication. So, it only works for online sales.

A multi-layered approach to online security reduces the risk of a fraudulent transaction. VbV helps to provide you with protection from "fraudulent purchaser" disputes and chargebacks. While this type of dispute generates the majority of chargebacks for online merchants, other fraud detection tools are still valuable and should be maintained. To further reduce risk, we recommend you continue to use the other fraud detection tools you've already implemented.