Verified by Visa (VBV)
Verified by Visa (VbV) is an advanced security feature provided by Visa to ensure that purchasers are authorized cardholders, adding an extra layer of authentication during the checkout process. This verification system aims to protect both cardholders and merchants during online transactions.
Verified by Visa is based on the 3-D Secure technology and is designed to make online Visa transactions as secure, fast, and convenient as in-store purchases. It verifies the customer’s identity at the checkout stage, confirming that the transactions are initiated by authorized Visa card users. Similar technology, known as 3DS, is employed by other card networks like JCB, American Express, Discover, and Mastercard, which refers to its product as Mastercard Identity Check.
VBV is a service offered by Visa in collaboration with the issuing bank of your card. It utilizes personal passwords or identity information to safeguard Visa card numbers from unauthorized use. This service is available for most Visa cards issued by participating financial institutions.
Similarly, MasterCard SecureCode is a service offered by MasterCard to enhance the security of online transactions conducted with your MasterCard Debit/Credit card. Your SecureCode adds an extra layer of protection by utilizing a personal message known only to you and your bank, safeguarding your card against unauthorized use.
VBV and MSC services are provided at no cost to cardholders and were developed to prevent unauthorized use of cards for online transactions.
Written by Andrii Vovk