What is "Verified by Visa" and how does it work?

The logo "Verified by Visa" is found more and more often in online shops. But what is that anyway? We explain what is behind it and how you can use the service.

What is "Verified by Visa"?

• "Verified by Visa" is a so-called 3D secure process that makes online banking even more secure.
• Not only are customers protected against card misuse when shopping online, but the seller is also protected by guaranteed payment.
• As usual, you enter your credit card number during the payment process. The online shop then establishes a secure connection to your bank, where you enter your password to confirm your identity. The purchase is then completed.
• In short, add a password to your Visa credit card that also protects you against cybercrime. If your card is stolen, the thief cannot simply use your card for shopping. He also needs your password.
• In the following paragraphs, we explain how you can register for the service and then shop online using the system.

Sign up for "Verified by Visa"

To use the service, you must first register with the bank from which you received your Visa card:

1. Open the following link and select your bank. You will now be forwarded to your bank. Depending on the institute, you must now activate your card.
2. At some banks, such as Postbank, all credit cards are already activated for the service, so you can only register in an online shop the next time you shop. You have to register with other banks in advance.
3. Enter your personal details and your credit card to register. Many banks send you a confirmation code by post when you register in advance, which can be used to activate the service permanently.
4. When registering in advance, you must leave a note about your security response, the so-called PAM. It should help you to remember your self-defined password in case of doubt. When registering directly during the first purchase, a question such as "mother's place of birth" is usually given.
5. Once registration is complete, you can proceed to the last part: the shopping procedure with "Verified by Visa".

Online shopping with "Verified by Visa"

1. If you have activated the service, the payment in online shops will hardly change. As before, you must provide your billing address, credit card number, expiry date and check number during the payment process.
2. In the next you get to the "Verified by Visa" security question. If you enter your password, the payment process is completed. The extra security therefore only requires you to enter a password.

Another safe way to pay online is through the PayPal service. In this practical tip, we explain how it works and what advantages it brings.