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What does Verified by Visa mean?

Visa Secure, formerly Verified by Visa, protects your Visa card from fraud when you shop online.

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Verified by Visa is an online security measure for Visa debit and credit cards that now goes by the name of Visa Secure. It's sometimes referred to as or VbV/VBV and is designed to protect your card from fraud when shopping online.

How does Visa Secure (or Verified by Visa) work?

Visa Secure is an extra layer of security applied to some online transactions made using your Visa debit or credit card. You will see the Visa Secure logo for any transactions that use this service. This security check happens on every Visa Secure purchase, but you will only occasionally need to manually enter information to complete it.

The most common check is a one-time password sent to your mobile phone or email address. But it could involve other personal identifying information, such as a security question or a biometric check like a fingerprint.

Sometimes, your bank or credit card issuer will run the security check in the background. When that's the case, you might just see a loading circle on the page while the Visa Secure check is being done. Once you've passed the check, your purchase will proceed as usual.

How can I change my details for Visa Secure?

Since the security check is run through your bank, you will need to contact it to update any relevant details. Make sure your bank has your correct phone number, email address or security questions, as you may not be able to complete Visa Secure transactions otherwise.

If you have problems paying for purchases because of Visa Secure, check all your account details are updated or contact your bank.

How do I get Visa Secure?

You get automatic access to Visa Secure when your bank or credit card issuer is signed up to the Visa Secure program. Participating institutions should have details about Visa Secure on their websites, although some may still refer to it as Verified by Visa.

To give you an idea of the cards that come with Visa Secure, below are some of the major banks and card issuers participating in the program. This is not an exhaustive list, so check with your own institution if it is not here.

How do I know which websites use Visa Secure?

Although Visa Secure does not keep a database of participating websites, you should be able to find out by looking for the Visa Secure logo or glancing at the site's payment security information.
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Can I turn off Verified by Visa or Visa Secure?

You cannot disable Verified by Visa/Visa Secure in Australia. Since it's an additional security measure designed to protect both you and the merchant you're buying from, participating websites will not let you bypass the Visa Secure feature. If you really don't want to use it, you will have to shop with websites that don't support Visa Secure.

What if Visa Secure is not working?

  • Call up your bank or institution. If it's a verification issue, you may need to update your details or security questions.
  • Use another card. Try another card, if you have one.
  • Pay by other means. Other payment options like PayPal or a mobile wallet may work if your card does not.

Verified by Visa/Visa Secure is just one of many security measures protecting you from fraud. Others include fraud monitoring by your bank and zero-liability policies when someone else uses your card illegally. For a closer look at these measures or for what to do when fraud occurs, see our guide about credit card fraud and security measures.

Compare Visa credit cards

1 - 15 of 19
$
% p.a.
Name Product Balance transfer rate p.a. Purchase rate p.a. Annual fee Amount saved
HSBC Platinum Credit Card
0% for 36 months
19.99%
$29 for the first year ($129 thereafter)
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
ANZ Low Rate
0% for 30 months
12.49%
$0 for the first year ($58 thereafter)
Now eligible for Cashrewards Max. Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Virgin Money No Annual Fee Credit Card
0% for 12 months
0% for 12 months, reverts to 18.99%
$0
Save with a $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.
St.George Vertigo Card
0% for 32 months
13.99%
$0 for the first year ($55 thereafter)
Get a 0% interest rate on balance transfers for 32 months (with no balance transfer fee) and a $0 annual fee for the first year.
ANZ Platinum Credit Card
21.24%
0% for 25 months, reverts to 20.24%
$0 for the first year ($87 thereafter)
Now offering Cashrewards Max. Receive a 0% purchase rate offer for 25 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
NAB Low Rate Credit Card
0% for 32 months
12.99%
$0 for the first year ($59 thereafter)
Get a 0% interest rate on balance transfers for the first 32 months (with no BT fee). Plus, save with a $0 first-year annual fee.
St.George Amplify Platinum
0% for 24 months with 1% balance transfer fee
19.49%
$29 for the first year ($99 thereafter)
Earn 100,000 bonus Amplify Points (worth $450 in gift cards) when you spend $3,000 in the first 90 days. Plus, a first-year annual fee discount and Kayo cashback offer.
BankSA Vertigo
0% for 32 months
13.99%
$0 for the first year ($55 thereafter)
Offers 0% p.a. for 32 months on balance transfers (with no balance transfer fee). Plus, a $0 first-year annual fee.
Bank of Melbourne Vertigo Card
0% for 32 months
13.99%
$0 for the first year ($55 thereafter)
Save with a 0% interest rate on balance transfers for 32 months (with no balance transfer fee) and a $0 annual fee for the first year.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% for 28 months
20.74%
$0 for the first year ($129 thereafter)
Get 0% p.a. on balance transfers for 28 months (with no BT fee). Plus, $0 annual fee in the first year.
St.George No Annual Fee
0% for 12 months, reverts to 20.74%
$0
Save with a 0% p.a. interest rate offer and a $0 annual fee. Plus, a minimum credit limit of $500.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% for 14 months
0% for 14 months, reverts to 20.74%
$129
Save with 0% p.a. interest on purchases and balance transfers for 14 months and earn Velocity Points per $1 spent.
ANZ Rewards Black Credit Card
21.24%
20.24%
$0 for the first year ($375 thereafter)
Now eligible for Cashrewards Max. Enjoy 80,000 bonus Reward Points (worth $350 in eGift cards) when you spend $2,000 in the first 3 months. Plus, $0 first-year annual fee.
ANZ Rewards Platinum
21.24%
20.24%
$0 for the first year ($95 thereafter)
Now offering Cashrewards Max. Get 50,000 bonus Reward Points (worth $220 in eGift cards) when you spend $1,500 on eligible purchases in the first 3 months. Plus, $0 first-year annual fee.
St.George Amplify Signature
0% for 24 months with 1% balance transfer fee
19.49%
$139 for the first year ($279 thereafter)
150,000 bonus Amplify Points when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
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10 Responses

  1. Default Gravatar
    chrisAugust 17, 2017

    having received a new visa debit card, that’s fine — my problem is that verified visa is blocking me from purchasing from a site that I have had no problem with buying from before, how can I unblock verified visa from this site ???—or is it more complicated than that?? thanks Chris

    • Default Gravatar
      JonathanAugust 17, 2017

      Hello Chris,

      Thank you for your inquiry.

      Verified by Visa is an official Visa online requirement, designed to give you extra protection and peace-of-mind when using it online. You’ll be asked if you want to activate Verified by Visa when you’re using it on a website which has signed up to Verified by Visa. If you wish to “unblock” your card, usually you would need to log on online banking of your bank, and change the card security settings.

      We don’t recommend that you do this, as this may make your card prone to hacking and unauthorized transactions. You may contact your bank for further instructions.

      Hope this helps.

      Cheers,
      Jonathan

  2. Default Gravatar
    RCApril 4, 2015

    Uh, i forgot my password. How can I change it?

    • Avatarfinder Customer Care
      JonathanApril 7, 2015Staff

      Hi RC, thanks for getting in touch with us!

      To allow me to assist you further could you please clarify which lender/ bank your credit card is with? Generally the password can be reset can contacting the bank directly.

      Cheers,

      Jonathan

  3. Default Gravatar
    SATYAMNovember 25, 2014

    IS THERE BE ANY CHANCE OF ACCOUNT HACKING IN VBV

    • Avatarfinder Customer Care
      ElizabethNovember 26, 2014Staff

      Hi Satyam,

      Thanks for your question.

      Verified by Visa offers an additional layer of protection while online shopping, but as with all transactions there is always a chance of fraudulent transactions. If this does happen, Visa’s Zero Liability Policy will see you that you are not held responsible for these transactions.

      I hope this has helped.

      Thanks,

      Elizabeth

  4. Default Gravatar
    dhirajMay 29, 2014

    what is verified by visa means?

    • Avatarfinder Customer Care
      ShirleyMay 30, 2014Staff

      Hi Dhiraj,

      Thanks for your question.

      Please read the information on this page about Verified By Visa.

      Cheers,
      Shirley

  5. Default Gravatar
    K.October 2, 2013

    What is meant by VbV and how to get VbV for my card

    • Avatarfinder Customer Care
      JacobOctober 3, 2013Staff

      Hi K.

      Verified by Visa is an additional security measure when you shop online. You can find out more about how to set up a VbV password by contacting your card issuer.

      Thanks for your question.

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