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What Does Verified By VISA Mean?

The Verified by Visa program is offered to Visa cardholders as an added protection for online purchases. It is a free and easy way to get that extra piece of mind while doing your shopping.

Verified by Visa is a free service offered by Visa that makes it even safer for you to shop online. You simply add a password to the Visa card you are currently using to ensure that only you can use your Visa card to make purchases online.

Getting started with Verified by Visa

It is easy to get your credit card activated and it can be done online in just a few minutes. There is no need for you to get a new card, you can use your existing Visa card that you have now. The only thing you need to ensure is whether or not your card issuer participates in this service. It is just a matter of going online to your card issuer's site and doing a quick check.

If your issuer offers the Verified by Visa service, then it is just a matter of following the indicated links to register your card for the program. You may be asked to create a personal message that will appear on the screen during your purchase. Once you have registered and created your password you are instantly protected with this service. You can register as many cards as you have as long as each card's issuer is a participant.

If there is more than one cardholder on your Visa, each one will have to register online and create their own personal passwords. Once this is done each cardholder can then make protected purchases at any of the participating online stores.

You don't need to have any extra software setup on your computer to make these purchases, but you will need to be operating on a computer running on Internet Explorer, an AOL browser that is version 4.0 or higher, or Netscape. Only some card issuers offer a service for mobile devices, so you will need to check your card issuer's website to see if it is available for your card.

Once your card is activated you will be protected at every participating store online. When you shop at one of these stores your Visa is instantly recognised as a Verified by Visa card and you will receive a personal message on the screen. This confirms that you are shopping at a legitimate participating online store, and that your card issuer will be verifying your password. You will then need to enter your personal password to complete the transaction. Your card issuer will verify that your password is correct and that your purchase has been made safely. You can then sit back and relax, knowing that your card was protected during this shopping experience.

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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.


  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.



  3. Default Gravatar
    SATYAMNovember 25, 2014


    • 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.



  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.


  5. Default Gravatar
    KOctober 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.

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
ANZ Low Rate
12.49% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 22 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 100,000 bonus Qantas Points, 75 bonus Status Credits and $150 back when you spend $3,000 in the first 3 months with this premium card.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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