Verified by Visa E-Commerce Credit Card Processing

Verified by Visa offers cardholder authentication for merchants using e-commerce credit card processing services. VbV is based on the so-called 3-D Secure protocol and verifies the genuineness of cardholders. It enables consumers to choose a password with their card issuer, and then use it to validate themselves while making a purchase online. This helps make sure that their account number cannot be fraudulently used at an e-commerce website.

Verified by Visa E-Commerce Credit Card Processing Activation

To use VbV, consumers must initially activate their existing card with the Verified by Visa system. There are several ways they can do this:

• Card issuers usually offer an online activation site.
• Visa, the card issuers, and participating merchant account users can display an "Activation Anytime" banners or buttons that allow consumers to activate their bank card.
• Customers can also activate cards during the shopping process, where available.

If the customer elects to activate while shopping, he or she gives information to their issuer for identification purposes. The consumer then selects a password. On future sales at participating e-commerce merchants, the consumer's VbV password will be required at checkout, limiting the potential for fraudulent use of the card.

Once VbV is activated, a customer's card is automatically identified when used for e-commerce credit card processing at participating web stores. The customer is asked for her password; the password is validated; and then the sale is completed. If the password is not validated, the cardholder is not confirmed, and an error message is displayed and the transaction must not be completed.

VbV Processing Cycle

Verified by Visa retailers need to:

• Add the VbV logo on their home, security information, and checkout pages to promote secure and reliable web shopping. Use one of the following two approaches:
  • Activation Anytime - This is the approach that will guide consumers directly to an page where they can activate their bank cards for the VbV service without leaving the retailer's site.
  • Learn More - This approach routes customers to a service description page (on the merchant's site) where they can educate themselves about VbV and activate their cards for the service.
• Add a pre-authentication notice on the checkout page to tell customers that they may be offered to activate their card for VbV.
• Complete the VbV authentication process. Offer the authentication information in the authorization request as requested.
• If VbV authentication fails, request payment by other means.