Credit that works with you

3-D Secure formally known as Verified by Visa helps ensure that payments are made by the rightful owner of the Visa account, to make online purchases more secure. It aims to make your online transactions as secure, fast, and convenient as purchases you make in a store.

3-D Secure usually works behind the scenes when you’re shopping online, using advanced technology to confirm your identity. If there’s any doubt such as when you use a new device or make an unusually large purchase – you may be asked by your bank to provide more information to confirm the purchase.

Visa always offers comprehensive fraud protection to cardholders. With 3-D Secure, you get an extra layer of security to protect your identify and your shopping experience online.

What’s Changing? What is 3-D Secure?

When you shop at 3-D Secure participating merchants, the 3-D Secure provider runs a risk model that scores the transaction and a rules engine that uses the score and other transaction data to determine the risk of each transaction. Based on the result of the risk decision the transaction will be approved or denied.

Approved authentication will be transparent to you. You will no longer be prompted for enrollment and a password.

You will be presented with the following message when authentication is declined:

“Authentication Failed. To ensure the highest level of security, this card cannot be used to complete this transaction. Please contact your nearest branch for assistance.”

Benefits of Risk-Based Authentication

• Faster checkout time, and shopping cart abandonment
• Eliminates fraudulent enrollment/password reset
• Transaction risk determined by risk model and rules engine

More information about Verified By Visa and 3-D Secure.

We sure do! Volt offers three great credit card options to fit your needs:

• Platinum Card – Low interest rate (requires a credit score of 680 or higher)
• Preferred Card – interest rate, no minimum credit score required
• Secured Card – interest rate, perfect for building or rebuilding credit

Whether you’re looking for a low rate, more flexibility, or a fresh start, we’ve got a card that’s got your back.

Absolutely! Our Secured Visa is designed just for that. Here’s how it works:

You’ll deposit at least $300 into a Volt savings (share) account, and we’ll issue you a Visa card with a matching credit limit. Your deposit stays secure while the card is active and gets released once the balance is paid in full and the card is closed. It’s a smart, steady way to strengthen your credit with Volt in your corner every step of the way.