Overview of Verified by Visa (VbV)
- What is VbV?
VbV is a global Visa® program designed to help make shopping online more secure for both consumers and merchants. Your VbV personal password helps prevent unauthorized use of your Visa card when you shop at participating online merchants. By registering a password for your Visa card with the Verified by Visa service, your card can only be used by you to make online purchases when shopping online at VbV enabled merchants. And, VbV is available at no cost.
- Why should I register my Visa® card?
Register your Visa card to help protect against unauthorized use of your card for online purchases. Your personal password gives you increased confidence and trust when shopping online at VbV enabled merchants.
- How much does Verified by Visa cost?
Nothing. VbV is absolutely FREE.
- Do I need a new card to use VbV?
No. Verified by Visa works with your existing personal Visa card. You need to register each Visa card for the Verified by Visa service.
- I'm not an Internet expert. How easy is VbV to use?
Simply enter your payment information at the online merchant's checkout, just as you normally would. You will then be prompted by your card issuer for your VbV personal password. Once your password has been confirmed by your Visa card Issuer, the checkout process will continue as usual.
Registering with VbV
Shopping with VbV
- How do I use my VbV personal password when I shop online?
When you shop at participating VbV enabled online merchants, and pay with your Visa card, your card issuer will present you with a VbV window. Simply enter your VbV personal password and click "Submit." Your identity is verified by your card issuer. The merchant never sees your password. After your identity has been confirmed by your card issuer, the purchase process with the merchant will proceed.
- Should I use my personal password every time I shop online?
You only use your VbV personal password with your Visa card when shopping online at participating VbV enabled online merchants.
- What if the online merchant is not participating in VbV?
Over time, more and more online merchants will participate in VbV. However, if an online merchant does not currently participate, your transaction will proceed as normal, without the presentation of a VbV window by your card issuer. View the list of VbV enabled online merchants.
- What should I do if I suspect someone has used my personal password to make a fraudulent purchase?
Ensure you always keep your VbV personal password private and stored separately from your card, however if you ever suspect a fraudulent purchase has been made with your Visa card, contact your Visa card issuer immediately. Visa's Zero Liability policy protects you from unauthorized use of your Visa card, even if someone fraudulently uses your VbV personal password. You must be able to establish to the satisfaction of your card issuer that you did not make the purchase.
- What happens if I forget or need to change my password?
If you have forgotten your VbV personal password, you can click on "Forgot My Password" in the VbV window from your card issuer that appears during the checkout process and follow the prompts. If you are not shopping online, but want to change or reset your personal password, visit your card issuer's Verified by Visa website.