FAQ

Visa Secure

Most popular questions...

• Can I use Visa Secure from any computer?

  Yes, you can use Visa Secure from any mobile device or computer connected to the internet, with a compatible browser.

• How much does Visa Secure cost?

  This additional security benefit is provided to you free of charge.

• Can I use Visa Secure if I have a joint account?

  Yes. Both joint owners of the account should have their own card issued, and you should be using the card that is in your name when performing online purchases. When using your card to perform an online transaction through a participating Visa Secure merchant you may be required to enter in personal information that is held by People's Choice Credit Union to complete the transaction.

• What is Verified by Visa?

  Verified by Visa has recently been renamed to Visa Secure. Visa Secure is a service that automatically sends a One Time Password to your mobile phone, to authenticate the purchaser and protect your card against unauthorised use.

• Can I request that all transactions I make online go through the Visa Secure service

  No. Only Merchants and retailers that have signed up to the Visa Secure service will have this security facility on online transactions. The list of retailers becoming Visa Secure merchants is expanding everyday.

More questions...

• Will my account be billed for Visa Secure purchases?

  Your Visa Secure purchases will appear as normal purchases on your statement, under the name of the 'merchant' - that is, the company from which you made your purchase.

• How does Visa Secure work?

  As you make a purchase online, Visa Secure assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (name on card, member number and date of birth) so People’s Choice Credit Union can be sure the card isn't be used without your permission.

• What is the Visa Secure service?

  Visa Secure is a service designed to ensure you are protected while shopping online with your Visa card.

• Will I need to apply for a new card to use Visa Secure?

  No. We will register your card for Visa Secure on your behalf, so you'll automatically be protected.

• Why would I be asked to confirm personal details and is this safe?

  Each time you make an online purchase, Visa Secure assesses the risk level of the transaction – certain activity may seem out of the ordinary, maybe because it’s a high dollar value, or a retailer you’ve never bought with before. If People’s Choice Credit Union is concerned a transaction may be fraudulent, you will be prompted to confirm your identity, and you will be requested to enter some personal details unique to your account with us. This information is used only to verify your identity, and is not stored by Visa Secure, nor is it passed to anyone including the online merchant.

• Will I require a username and password for the Visa Secure service?

  Protection the Visa Secure way is simple because you don’t have to remember usernames and passwords – you will be automatically registered and protected. If your Visa card is new, People’s Choice Credit Union will register the card before we issue it to you. With existing Visa cards, People’s Chioce will take care of registering it as part of the Visa Secure service.