Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Verified by Visa program

Protect your credit while you shop online with Verified by Visa.

Updated

Fact checked

Shopping online has never been easier, with personal shoppers, grocery delivery and same-day shipping. But with each credit card transaction, you’re opening yourself up to credit card hackers.

Verified by Visa is designed to make online purchases with your Visa credit card even more secure. Non VBV credit cards have first-level protection — requiring only your card number, expiration date and CVC on the back of the card. Unfortunately hackers can often find ways around it to gain access to your card.

Verified by Visa (VBV) is a free program offered by Visa that gives you an added level of protection. It’s an easy way to get peace of mind while shopping online. Entering a password each time you use your card online adds another layer of security, proving your identity.

Compare Visa credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Chase Freedom Unlimited®
N/A
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
670
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Sapphire Preferred® Card
N/A
15.99% to 22.99% variable
$95
670
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Costco Anywhere Visa® Card by Citi
N/A
15.24% variable
$0
740
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Chase Sapphire Reserve®
N/A
16.99% to 23.99% variable
$550
740
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
TD Cash Credit Card
N/A
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$0
680
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
OpenSky® Secured Visa® Credit Card
Starting at $200
17.39% variable
$35
300
Apply for this card with no credit check if you're new to credit or have bad credit.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
$48
300
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
loading

Compare up to 4 providers

How does VBV work?

When you shop online you want quick and easy — and you expect safety. Thousands of online merchants have enrolled in VBV adding an extra layer of protection to make shopping online safer. What this means for you is more confidence in your purchases knowing your identity is protected.

Verified by Visa works by asking you to provide additional information — either from you directly or by looking at your past purchasing behavior to ensure it’s you making the purchase. This security check gives your card an added level of protection each time you use it.

Making a purchase. After you’ve enter your credit card details on a site that uses VBV, you’ll see a Verified by Visa message box pop up. This is your bank communicating with you directly. You’ll see a message that you created when you signed up — one that only you and your bank know.

Verify. You verify your identity with a password or a code that is sent to your cell phone — depending on your bank.

NOTE: If you don’t see the Verified by Visa message, and instead see a revolving wheel, not to worry, it means that your bank is verifying your purchase with a background check.

Why should I enroll in VBV?

It’s free. It’s free to sign up and to use — every time.

Security. Be confident each time you make a purchase online with the extra layer of protection.

Easy to use. There’s no apps or software to upload and can be used on your phone or computer.

How do I enroll?

In order to use VBV both your Visa credit card, and the merchant you’re buying from, need to be registered. Check with your Visa issuer to see if it participates.

It’s quick and easy to activate any of your Visa credit cards online and there’s no need for you to get a new Visa card. If you visit a merchant that uses VBV, you may be asked to join before you make your purchase.

Depending on your bank, you may be asked to create a personal message that appears on the screen during your purchase, or you’ll get a personal password sent to your cell phone. Once you’ve registered and created your password you’re instantly protected.

If you have more than one cardholder on your credit cards, each one needs to be registered to create individual passwords and messages.

Once you’re registered, and you find a registered VBV merchant, this is what you’ll see when completing your purchase.

Tips for safe online shopping

It’s easy to think your credit card is protected each time you shop online, but hackers are looking for unsecured sites and and unknowing users. Keep these tips in mind when you use your cards online:

  • Trust your merchants. Shop on sites you know and trust, or research them first.
  • Delivery and return policies. Know your rights when it comes to delivery and return policies.
  • Customer service. Be sure that customer service contact info is somewhere on the site.
  • Confirmation email. Hang on to those confirmation emails after you make a purchase. They’re your record if something goes wrong.
  • Security. To be sure you’re on a secure website, look for the lock or key signs at the bottom of your browser window.
  • Address. The website address should appear https:// rather than http:// the “s” denotes a secure website.

Bottom line

Online shopping isn’t going anywhere. We’ve grown to appreciate our groceries delivered to our door and Amazon Prime packages delivered hours after our order. To protect yourself from potential hackers, check with your bank to see if they participate in VBV.

Frequently asked questions

Will I get an email from Verified by Visa to update my details?

Hackers have lots of ways to get ahold your your credit card information, sending you an email is one of them. You will never get an email from Verified by Visa — it is not a person or a company. And Visa will never ask you to update your info via email.

If I’m a merchant, how does VBV benefit me?

The biggest benefit merchants see with VBV is increased consumer confidence leading to more purchases. It also helps fight fraudulent charges — helping your bottom line. Fighting credit card fraud helps everyone.

Compare Visa credit cards

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site