Some Frequently Asked Questions & Some Helpful Answers

There's a good chance you'll find the answer to most questions you may have about Verified by Visa below. If you don't find the answer to your question, simply contact us. We'll do our best to make things clear in a timely manner.
Click on the general category below to go to the frequently asked questions and answers on that subject.
Q: What is Verified by Visa? 
A: Verified by Visa is a service developed by KH Network Credit Union and Visa to help ensure that only you use your visa card to shop online.
Q: Who can register for Verified by Visa? 
A: Anyone with a KH Network Credit Union Visa credit or debit card.
Q: What is the benefit for consumers? 
A: It provides added assurance by using your Visa card to make purchases online. You can be comfortable that any online merchant using the Verified by Visa security system is a legitimate commercial entity.
Q: Is my personal information safe and secure? 
A: Yes. Your information is transmitted using a high level of encryption and is stored on a secure server.
Q: Does Verified by Visa cost me anything? 
A: No. There are no additional charges associated with this service.
Q: Are there any service guarantees? 
A: KH Network Credit Union assures you that the information you provide is for registration purposes. Your information is protected and will not be used by or shared with any other parties except the contractors who operate this service on behalf of Visa and KH Network Credit Union. You are also afforded all the protections available to you when you use your Visa card in person.
Q: How do I shop with Verified by Visa? 
A: Once you've registered, the service will automatically work at any of our participating merchants. Check out our demo to see how simple shopping with Verified by Visa is.
Q: Where can I shop using Verified by Visa? 
A: At all Verified by Visa participating merchants. Our list of merchants and exclusive Verified by Visa offers is growing all the time, so come back and visit this site often.
Q: I am not an Internet expert. How easy is Verified by Visa to use? 
A: Verified by Visa is so easy to use, you'll barely know it's there. Just complete the registration process by verifying your identity and shop! We're here to make shopping in the virtual world as easy and convenient as possible - just as we help you in the physical world.
Q: What browser do I need to use for Verified by Visa? 
A: Verified by Visa requires Microsoft Internet Explorer version 4.0 and above, Netscape Navigator 4.0 and above, or AOL 4.0 and above.
Q: Can I use Verified by Visa from a different computer than the one where I signed up? 
A: Yes. That's one of the beauties of Verified by Visa! You can make purchases at any computer.
Q: Can I use both credit and debit cards with Verified by Visa? 
A: Yes! Verified by Visa was designed for use with both credit and debit (check) cards. When you use your debit card with Verified by Visa, your transaction experience will be similar to credit transactions - so you won't enter your PIN. This is known as an offline debit transaction.
Q: What happens when I finish shopping? 
A: When you are finished shopping, proceed to your merchant's checkout page. As the transaction is completed, you will be asked to enter your personal password. Should you forget your password, we'll even display a hint you supplied when you registered!
Q: How do I register for Verified by Visa? 
A: Go to our Registration Page and enter the requested information to ensure that only you are able to use your Visa card online with participating merchants. It's an easy process.
Q: Why are you asking all these questions during registration? 
A: We are safeguarding the use of Visa cards by their rightful owners. We must make sure, as best we can, that the owners of Visa card accounts are the ones actually registering their cards and signing up for Verified by Visa. To do this, we have set up a process to check the information you submit against national consumer records files to ensure that the individual signing up for Verified by Visa is in fact the person they say they are. Our two-step process verifies the identity of cardholder registrants for Verified by Visa, and provides system-wide confidence to everyone participating in this service, including merchants and banks.
Q: Some of the questions asked during registration are "optional". Do I need to answer them? 
A: You don't need to answer them, but by answering all the questions you improve our ability to identify you, and greatly improve your chances of successfully registering for and reaping the benefits of Verified by Visa.
Q: What is the card verification code? 
A: A card verification code is a 3 digit number, usually on the back of your Visa card just after the account number that uniquely identifies the card issued to a cardholder. This is another measure to safeguard your card. Visa can match the card verification code against its own records to help verify that the person trying to register for the service is in physical possession of the card, and likely to be the rightful owner of the card.
Q: What is a Personal Assurance Message? 
A: The Personal Assurance Message is created by you during the registration process, and will be displayed back to you when you are prompted for your password during Verified by Visa password verification at checkout. The Personal Assurance Message was designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing Internet users in order to gain access to personal financial information. So when the Verified by Visa password window prompt includes your Personal Assurance Message, that gives you more assurance that it is actually Verified by Visa asking you for your password, and not someone else masquerading as Verified by Visa.
Q: Why do you need my Social Security number? 
A: In ever-increasing numbers, government agencies, schools, utility companies, and businesses, large and small, rely on Social Security numbers to identify people in their computer systems. Verified by Visa uses Social Security numbers in much the same way to help in verifying your identity online. In a virtual, faceless environment, this is a difficult task. You can, of course, refuse to give us your Social Security number. That, however, may mean you are unable to register with Verified by Visa. You should be aware that giving us your Social Security number does not give us access to your Social Security records. In general, you should know that giving your number is voluntary, even when you are asked for the number directly. If requested, you should ask why your number is needed, how your number will be used, what law requires you to give your number, and what the consequences are if you refuse. The answers to these questions can help you decide if you want to give your Social Security number. The decision is yours.