Q: How does Verified by Visa
work?
A: Once you've registered and created a Password, each
time you make an online purchase, a window will pop up asking for your
Password, just like using a PIN at the ATM. When you correctly enter your
Password, your card issuer confirms that you are the authorized cardholder
and your purchase is completed. No code, no confirmation, no purchase.
Q: Is Verified by Visa easy to
use?
A: Yes. When you make an online purchase, a window from
your card issuer will pop up and prompt you for your Password. After
reviewing the details of your purchase and confirming that your Personal
Message is correct, simply enter your Password to complete your purchase.
Q: What are the system
requirements for Verified by Visa?
A: Verified by Visa requires
the use of Microsoft Internet Explorer version 5.0 and above, Netscape
Navigator 4.0 and above, or America Online 4.0 and above. In addition, you
should disable any software that prevents pop-up windows as this will
interfere with your use of Password.
Q: Can I use Verified by Visa
from any computer?
A: Because there's no special software to
install, you can shop from any computer meeting the system requirements
outlined above and still receive the added protection afforded by Verified
by Visa.
Q: What happens when my card
expires or my billing information changes?
A: Your card issuer
will automatically update this information in your
profile.
Q: What happens if I cancel my
existing card then get a new one with a different account number?
A: You will need to register the new card for Verified by Visa.
Simply return to the registration site, and complete the registration
process with your new card.
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Registering for Verified by
Visa
Q: What cards can I register with Verified by
Visa?
A: You can register any of your existing Visa, credit or
debit, as long as they are issued by a participating issuer. To check
whether your card issuer is participating, www.visa.com/verified.
Q: How many cards can I register
with Verified by Visa?
A: We encourage you to register all of
your Visa cards. There is no limit to how many cards you can
register.
Q: Can two people with a joint
account use the same Password or should they register Verified by Visa
separately?
A: Individuals sharing a card number are encouraged
to register separately and create their own Password. However, depending on the information
needed for registration, the secondary cardholder may need to use the
personal data of the primary cardholder to register. Please follow the enrollment
instructions on the enrollment screens.
Q: Why do I have to supply
personal information during registration?
A: The information
you provide is checked against the information that your card issuer has
on file. This is done as a security precaution to be sure that the person
registering is the real cardholder. For further security, we also ask for
the Signature Panel Code number to be sure you have physical possession of
the card that is being enrolled.
Q: Why do I have to enter all of
my personal information again when I enroll a second card?
A:
All of the information you provide is checked against the information that
your card issuer has on file. You are asked to enter the information again
when you enroll a second card for your own protection. That way, the card
issuer can be sure the real cardholder is registering the
card.
Q: Can I create the same
Password for all of my cards?
A: Yes, however we recommend each
Visa card have its own Password so it is protected individually. We
recommend that you select a Password that will be easy for you to
remember, but difficult for others to guess.
Q: What is a Personal Message?
A: The Personal Message is a message that you create during
registration. Once you've completed your registration, each time you make
an online purchase, a small window will pop up and ask you to enter your
Password. In this window, you'll see your Personal Message. The Personal
Message is your assurance that you are communicating with, and submitting
your Password to, your card issuer. If the Personal Message displayed in
the pop-up window is incorrect, you should not enter your Password, but
should instead contact Customer Service immediately by calling the phone
number on the back of your Visa card.
Q: What is the Signature Panel
Code?
A: The Signature Panel Code is the last three digits that
appear on the back of your card, on the signature panel. We ask for this
information as an extra security feature to be sure that you have physical
possession of the card being registered.
Q: What do I do if I have
questions during the registration process?
A: If you have
questions, or need assistance during the registration process, you should
contact Customer Service.
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Shopping with Verified by
Visa
Q: How do I use my Password?
A: When
you make a purchase at a participating merchant, a window will pop up
requesting your Password. After reviewing the details of your purchase and
confirming that your Personal Message is correct, simply enter your
Password to complete your purchase.
Q: Can I start shopping with my
Password as soon as I register?
A: Yes. You can begin using your
Password immediately after completing your registration; no waiting period
is necessary.
Q: What should I do if I
purchase online but no Password request window appears?
A: You
should do the following:
- Make sure you are using
your enrolled card.
- Make sure the merchant is
participating.
- Be sure you have disabled
any pop-up stopping software on your system.
- Contact customer service
after double-checking the above items.
Q: Can I make purchases at
merchants that do not participate in the Verified by Visa service?
A: Yes, but you will not be asked for your Password at these
merchants. To complete your purchase, simply follow the traditional
checkout process.
Q: How will the online merchant
know that my card is protected by Verified by Visa?
A: When you
shop at participating online merchants, using a card you have enrolled in
Verified by Visa, your Visa card number is automatically recognized,
resulting in the pop up window that asks for your
Password.
Q: I forgot my password. What
should I do?
A: You should return to the registration site,
click on the "Forgot Password" link, and follow the subsequent
instructions.
Q: What if my Personal Message
is missing or incorrect?
A: If your Personal Message is missing
from the Password request box, or if an incorrect Personal Message is
displayed, you should not submit your Password, but should instead contact
customer service.
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Account Assistant
Q: What does the Account Assistant feature do?
A: The
Account Assistant feature allows you to change your Password, Personal
Message and email address (varies per card Issuer). Additionally, you can
remove the Password feature from your card.
Q: How do I access the Account
Assistant?
A: Simply return to the web site where you registered
and click on "Login". You will be asked to enter your card number and
Password to login. (We ask for both items for additional security). You
may want to bookmark this web site for future use.
Q: What
if I've forgotten my Password and am unable to login?
A: You
should return to the registration site, click on the "Forgot Password"
link, and follow the subsequent instructions to re-enroll your card and
replace your previous Password.
Q: How do I change my Password?
A: Access the Account Assistant feature by returning to the
registration site and clicking on the "Login" button. You can then change
your Password to anything you want as long as it meets your Issuers
Password configuration, contains no spaces and is different from your
Personal Message.
Q: How do I change my Personal
Message?
A: Access the Account Assistant feature by returning
to the registration site and clicking on the "Login" button. You can then
change your Personal Message to anything you want as long as it is between
1 and 30 characters and is different from your
Password.
Q: How can I deactivate the
Verified by Visa feature?
A: Access the Account Assistant
feature by returning to the registration site and clicking on the "Login"
button. You can then remove the Verified by Visa feature from your
card.
Q: How can I reactivate the
Verified by Visa feature?
A: Simply return to the registration
site and re-register. Please note you will have to create a Password that
is different from your original Password.
Q: How does Verified by Visa
protect me?
A: Once you've registered and created a Password,
each time you make an online purchase, a window will pop up asking for
your Password, like using a PIN at the ATM. When you correctly enter your
Password, you confirm that you are the authorized cardholder and your
purchase is completed. If the correct code is not supplied, your card
issuer cannot confirm your identity and the purchase will not be
completed. No code, no confirmation, no purchase.
Q: Aren't I already protected by
zero liability?
A: If your Visa card is issued in the United
States, then it will have zero liability as one of its features. But even
if you already have this protection, Verified by Visa will save you from
the hassle of disputing a charge that isn't yours, saving you time and
aggravation. Verified by Visa provides added protection and peace of mind
above and beyond zero liability.
Q: Why do I have to supply my
personal information during registration?
A: The information
you provide is checked against the information that your card issuer has
on file. This is done as a security precaution to be sure that the person
registering is the real cardholder. For further security, we also ask for
the Signature Panel Code number to be sure you have physical possession of
the card that is being enrolled.
Q: Why do I have to enter all of
my personal information again when I enroll a second card?
A:
You are asked to enter the information again when you enroll a second card
for your own protection. All of the information you provide is checked
against the information that your card issuer has on file for you. That
way, the card issuer can be sure the real cardholder is registering the
card.
Q: How will the online merchant
know that my card is protected by Verified by Visa?
A: When you
use a card you have enrolled in Verified by Visa at participating online
merchants, your Visa card number is automatically recognized resulting in
the pop up window that asks for your Password.
Q: Does the service use
cookies?
A: No. The Verified by Visa service does not use
cookies that are stored on your desktop. Instead, the software uses
"session cookies" which are temporarily stored on your desktop and
immediately (and automatically) deleted when you go
offline.
