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    What is Verified By Visa

    Verified by Visa is a security protocol that was designed by a company called Arcot Systems and it offers added security for online debit and credit card transactions. Visa introduced it for its credit and debit card customers for offering them with enhanced security for all of their online transactions. When you use your Visa credit card online for any transaction, you will need to provide your verified by visa password as an added security. Thus, you can be assured that the online transactions are secured and that no unauthorized individuals can access your credit card information and you can shop online with peace of mind.

    Why is Verified By Visa important?

    These days, most people like to shop online with their debit and credit cards. When you shop online from your favourite websites, you have to enter your credit card details and if that information is accessed by a fraudsters they can complete fraudulent transactions with your card and the same will be charged to your account. Your information will be compromised and you will have a lot of difficulty in making sure that you are not liable for those fraudulent transactions. By opting for verified by visa, you can minimize the risk of being a victim of credit card fraud and your online transactions will be more secured.

    How does it work?

    If you make regular purchases online, using verified by visa will be a boon to you. It creates an additional level of security and works with the help of 3 domains, which are:

    • the acquirer domain (the merchant to which you are going to pay the money)
    • the issuer domain (the financial institution that issued your Visa credit card)
    • the interoperability domain (the software platforms that facilitates online transactions and supports security protocol)

    When a transaction is initiated on the acquirer domain, the customer needs to provide the required card details on the issuer domain and then he or she is prompted to provide the verified by visa password thus making sure that unauthorised individuals cannot access the information entered by the cardholder.

    Joining is easy

    You can join the verified by visa service through the bank or organization that issued your Visa card. You will only need to choose a password and a personal message. After joining you can shop at any online store that accepts Visa credit or debit cards and is also a part of the verified by visa network. Once you have created the password, shopping with your Visa card will be easy and also absolutely safe.

    It’s an easy procedure

    The procedure to shop with verified by visa is very simple and easy, as given below.

    • You need to choose what you want to buy
    • Go to the payment section
    • Enter as always the details of your Visa card
    • After that you will be prompted to provide your Verified by Visa details
    • Enter the Verified by Visa password and click on ‘submit’
    • Your identity will then be confirmed
    • Your purchase will be completed

    Secure online shopping

    Using your Visa card on the internet is as safe, fast, easy and reliable as shopping in traditional stores. And with Verified by Visa, it's even better. Verified by Visa ensures that both you and the retailer (from whom you are making the purchase) are who you say you are. Look for the Verified by Visa logo on your favourite websites.

    If you want to use your Visa card on a website that does not yet offer Verified by Visa, you must take these simple safety precautions:

    • Make sure that the information related to your card are safely encrypted before being sent over the Internet - look for the unbroken key or padlock at the bottom of your browser window or check the name, which must start with https: // rather than http: //
    • Use the latest version of your browser and check that the operating system of your computer is up to date
    • Ensure that you shop at retailers that you know, or do some research to make sure that they are reputable and reliable
    • Keep a record of your transactions on the internet, including the address of the retailer's website. Many online stores send customers e-mails summarizing the purchase details - make sure you save or print these messages
    • Before you buy, read the terms of delivery that should be made available on the website of the retailer. You should also find out if you can return the items if they are not satisfactory or if products are defective, you should be able to get a refund or a credit note.
    • The retailer's website should also include information on how the delivery will be made, delivery costs, currencies accepted, applicable taxes etc.

    How to register for Verified by Visa?

    When you try to complete a transaction online with your credit card and if the merchant is a part of the Verified by Visa network, you will be prompted to enter your password. In case you do not have a password already, you will be prompted to register and create a password by following the steps given on the site. You can register for this service with any of your Visa credit card or debit card. Even if you have multiple Visa cards, you can register all of them for this service. The Verified by Visa password can be alphanumeric or just numeric.

    The registration process is not only simple but fast as well and as soon you complete the process you will be able to use your Verified by Visa password to shop online with your Visa credit card and debit card. You might need to enter the One Time Password (OTP) sent to your registered mobile number to complete the registration process. Also, you might be prompted to provide other details about your card such as the card number, expiry date, CVV number (the last 3 digits on the back of your card) etc. to complete the process.

    Do I need to download any software to use Verified by Visa?

    No, you will not need to download any software to use this service. You will only need an up to date computer with a decent internet connection to access the Verified by Visa service.

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