Verified by Visa
Frequently Asked Questions
What is Verified by
Visa?
Why is Verified by
Visa necessary?
How much does
Verified by Visa cost?
Is this
authentication process fail-safe?
How do I
register my card for Verified by Visa?
What kind of questions will I be asked?
What is the Signature Panel Code / CVV2?
What is the password hint?
What is the personal message?
Once my card is registered, how long
does it take for Verified by Visa to become active?
Will I have
to register every time I make a purchase?
What happens if my identity cannot be
validated during enrollment?
Is my personal information protected?
What happens if I forget my password?
Can the
same password be used for all Visa cards I own?
Can I use my PIN as a password?
How will an
online store know that my card is activated?
How do I
know if the merchant is participating in Verified by Visa?
Can I still shop at a merchant that does
not participate in the Verified by Visa program?
My husband
/ wife has the same card number, do we both have to register?
Will
cardholders need to apply for a new card to use Verified by Visa?
What happens
when my card expires?
What happens if an account is cancelled
or the card is reported lost / stolen and a new card number is issued?
Are there any
special PC and Internet requirements?
What is 128-bit
encryption?
How do I know if my
browser supports 128-bit encryption?
I have a “pop-up
killer” installed on my computer. Will Verified by Visa work for me?
What is Verified by
Visa?
Verified by Visa is an
online security program designed to protect the online shopper. The program
requires the cardholder to use a password for online card purchases from
participating online merchants. This password will validate the identity of
the cardholder and verifies that he/she is the true owner of the Visa card
during the purchase.
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Why is Verified by
Visa necessary?
Verified by Visa was created to improve the
security of purchases made via the Internet utilizing a Visa card. It
enables merchants to authenticate the cardholder at the time of the
purchase.
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How much does
Verified by Visa cost?
Verified by Visa is a free service to
Freedom Credit Union credit cardholders.
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Is this
authentication process fail-safe?
No. This program will
drastically reduce online fraud but will not eliminate online fraud.
Cardholders must still make every effort to secure their PINs, passwords and
personal information. Verified by Visa may not prevent fraud if, for
example:
-
A cardholder loses
their card which has their online password written on it. A thief then
may then use the card to make a purchase. Or,
-
A perpetrator
fraudulently registers a cardholder’s card and makes online purchases. Or,
-
A family member or
other household guest discovers the cardholder’s card and password and
uses the information to make unauthorized purchases.
TOP How do I
register my card for Verified by Visa?
The first time you make a purchase online with
a merchant that is participating in Verified by Visa, a “pop up” window will
appear that will instruct you to register your card. You will be asked to
provide personal information that will validate your identity for
registration purposes only. Once your identity has been verified you will
be asked to select your password. You will need to completely register
your card before the purchase will continue.
To register your card in advance, you may
go to the Verified by VISA page
on our website or visit
www.verifiedbyvisa.com.
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What kind of questions will I be asked?
You will be asked to supply:
Signature Panel Code (CVV2) (Found on the
back of your card)
Expiration Date
Last 4 digits of your social security number
Last 4 digits of you home telephone number
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What is the
Signature Panel Code / CVV2?
The Signature Panel Code/CVV2 is the series
of three digits printed in the signature area on the back of your Visa card.
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What is the password hint?
A password hint is a question to help you
remember your password. You may create a password hint when you register at
www.verifiedbyvisa.com. You may refer to it in case you forget or lose
your password. This hint is presented when you enter your password
incorrectly 3 times.
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What is the
personal message?
When you register at
www.verifiedbyvisa.com, you will be asked to create a Personal Message
as the last step in your Verified by Visa registration. Your Personal
Message appears in your password screen when you make purchases. When the
Verified by Visa window appears during the purchase process you should
always check to see that your Personal Message appears correctly. This
confirms that it's an authentic Verified by Visa window.
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Once my card is registered,
how long
does it take for Verified by Visa to become active?
Once the registration is complete, Verified by
Visa will be activated for shopping online at a participating merchant.
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Will I have
to register every time I make a purchase?
No. Once you are registered, the only
noticeable change in your Internet shopping routine will be entering your
password when you make a purchase at a participating online retailer.
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What happens if my
identity cannot be
validated during enrollment?
If, for some reason, the cardholder cannot
be verified by the information provided, an on-screen message will instruct
you to contact Visa’s Customer Service. For credit card users,
Customer Service is available 24 hours a day, 7 days a week at
1-800-813-4977.
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Is my
personal information protected?
Visa and Freedom Credit Union are taking
extensive precautions to secure the personal information you provide.
This information is only used to verify your identity and is transmitted
using a high level of data encryption.
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What happens if I
forget my password?
The cardholder is given 5 attempts to
correctly enter his or her password. If you have created a password hint,
this hint will be presented to you after your third incorrect attempt.
This is a question to help you remember your password. If you still cannot
remember the password after the fifth attempt, you will receive instructions
to contact Visa customer service to request a new password. You will then
need to re-register your card with Verified by Visa. At this time, the
merchant with whom you were attempting to make a transaction may ask for a
new method of payment or refuse to proceed with the sale.
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Can the
same password be used for all Visa
cards I own?
Yes. Your Visa
Check Card and your Visa Credit Card can have the same password. It is
up to the cardholder to choose the password for each account.
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Can I
use my PIN as a password?
No. The password must be between 6
and 10 characters long, with no spaces. You may use letters, numbers,
or symbols or any combination of these.
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How will an
online store know that my card is activated?
When you use your card to pay at
participating online stores, your card number will automatically be
recognized and the Verified by Visa password window will appear. Your
password will be required to complete the transaction.
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How do I
know if the merchant is participating
in Verified by Visa?
You can visit the
Verified by Visa website for the most recent
list of
merchants. You may
also look for the Verified by Visa symbol displayed at participating online
stores.
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Can I still
shop at a merchant that does
not participate in the Verified by
Visa program?
Yes. You will not be asked to enter any
Verified by Visa password information when shopping at a non-participating
merchant.
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My husband
/ wife has the same card number, do we both have to register?
Only one cardholder needs to register and
both cardholders will use the same password. You will need the primary
cardholder’s information when registering. You will need to notify the
other cardholders of the password.
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Will
cardholders need to apply for a new card to use Verified by Visa?
No, all existing
FCU Visa cards will be enabled for
Verified by Visa.
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What happens
when my card expires?
As long as the card number does not change,
you will not need to reregister.
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What happens if an
account is cancelled
or the card is reported lost / stolen and a new card number is issued?
You will need to
register the new card with Verified by Visa.
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Are there any
special PC and Internet requirements?
Microsoft Windows - 95, 98, ME, XP, NT Workstations and 2000
Professional
Internet Explorer - 4.01 Service Pack 2 and later, 4.x, 5.x, 6.x
versions. There is a problem with the 5.5 version of
Internet Explorer. For a full explanation and software download to fix
this, you can visit Microsoft website at
www.microsoft.com/windows/ie/downloads.
AOL - 5.x, 6.x, 7.x, 8.x
Netscape - 4.08 and later versions
JavaScript - JavaScript must be enabled for the cardholder
to interact with the Verified by Visa password “pop up” window.
Enabling JavaScript:
Netscape Communicator (4.x)
- Choose “Edit” menu, select “Preferences” and
select “Advanced”.
- Make sure the boxes beside Enable JavaScript
are checked.
Internet Explorer (5.x – 6.x)
- Choose “Tools”
- Select “Internet Options”
- Click on the “Security” tab
- Select the “Custom Level” button
Cookies
Cookies must be enabled for the cardholder to
register using Verified by Visa. (See Below)
Enabling Cookies:
Netscape (4.08)
Internet Explorer (5.x)
-
Choose “Tools”
-
Select “Internet Options”
-
Click on the “Security” tab
-
Click on the “Custom Level” button
-
Scroll down to Cookies
-
Under “Allow Cookies that are stored on your
computer click on the radio button next to “Enable”
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What is 128-bit
encryption?
128-bit Encryption refers to the level that
transmitted data is encoded, providing highly secure data transmission over
the Internet.
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How do I know if my
browser supports 128-bit encryption?
When running Internet
Explorer or Netscape Navigator, click on the Help menu, and select “About”.
This will display your current version and browser encryption level. (i.e.
40-bit or 128-bit)
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I have a “pop-up
killer” installed on my computer. Will Verified by Visa work for me?
If you have software installed on your
computer that automatically closes browser windows that are not generated by
you, commonly known as “pop-ups”, this may prevent your Verified by Visa
password window from appearing. You will need to disable this pop-up killer
software when registering and making online purchases.
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