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Verified By Visa enchanced with 3-D Secure Authentication!
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.
Verified by Visa 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 Verified by Visa, 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