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

$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
HSBC Platinum Credit Card
0% p.a. for 36 months
19.99% p.a.
$29 annual fee for the first year ($129 p.a. 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% p.a. for 30 months
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
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.
Latitude Gem Visa
19.95% p.a.
$0
Offers 0% p.a. for the first 6 months on purchases of $250 or more and long-term interest-free payment plans for up to 60 months.
St.George Vertigo Card
0% p.a. for 30 months
13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Save with a 0% interest rate on balance transfers for 30 months (with no balance transfer fee) and a $0 annual fee for the first year.
ANZ Platinum Credit Card
20.24% p.a.
0% p.a. for 17 months, reverts to 20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 28 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. on balance transfers for 28 months, a reduced 1st year annual fee & $129 Virgin Australia Gift Voucher yearly.
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Earn up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months).
NAB Low Rate Credit Card
0% p.a. for 32 months
12.99% p.a.
$0 annual fee for the first year ($59 p.a. 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.
NAB Low Fee Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
$30
Receive complimentary insurance covers and 0% p.a. for 6 months on balance transfers.
St.George Amplify Signature - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$279
Get 90,000 bonus Qantas Points when you spend $6,000 using your new card within 90 days from approval and 2 Qantas Club lounge invitations per year.
St.George Amplify Platinum
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Receive 80,000 bonus Amplify Points (worth $350 in eGift cards) when you spend $3,000 in the first 90 days. Plus, a 0% balance transfer offer.
BankSA Vertigo
0% p.a. for 30 months
13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Enjoy 0% p.a. for 30 months on balance transfers (with no balance transfer fee), a low purchase rate and a $0 first-year annual fee.
Bank of Melbourne Vertigo Card
0% p.a. for 30 months
13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Save with a 0% interest rate on balance transfers for 30 months (with no balance transfer fee) and a $0 annual fee for the first year.
Bank of Melbourne Amplify Signature
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$279
Up to 200,000 bonus points (100k in the 1st year & 100k in the 2nd year) - worth $900 in gift cards - when you spend $12k/year for the first 2 years.
St.George Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months with a 1% BT fee.
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10 Responses

    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

    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

    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

    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

    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.

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