FAQ

Visa Secure

Most popular questions...

• What happens if I don’t receive my one-time password (OTP)?

  If you don’t receive your OTP it’s likely that the mobile phone number you have registered with People’s Choice is different to the mobile phone number you are currently using. To change your mobile phone number please call us on 13 11 82.

• If I update my mobile phone number will it register with Visa Secure immediately?

  No. It could take up to 24hrs for your mobile phone number to be registered with Visa Secure. If you need assistance to make a purchase during this time please contact us on 13 11 82.

• 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.

• 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.

• Do I need to register my cards?

  No. All our Visa cards, both debit and credit, are automatically registered with Visa Secure. 

More questions...

• What is Visa Secure?

  Visa Secure (previously known as Verified by Visa) protects you, as a People’s Choice member, with an extra layer of security when making online purchases with participating Visa Secure merchants. It does this by automatically risk assessing your purchase to determine if more authentication is required before the transaction is made.

• Does my mobile phone number need to be registered with People's Choice?

  Yes, Visa Secure requires you to have your mobile phone registered with People’s Choice in order to receive a one-time password (OTP) to verify your identity. If your mobile number isn’t registered with People’s Choice and you’re prompted to receive a one-time password, then you’ll need to contact us on 13 11 82 in order to reprocess the transaction in question.

  Recent changes to how online Visa card purchases are verified, click here for more information.

• How does Visa Secure work?

  Visa Secure protects you by automatically risk assessing a purchase you make at a participating merchant. It determines if more identification is required before the transaction is made. If more identification is required, you may be sent a one-time password (OTP) to the mobile number you have registered with People’s Choice. You’ll need to enter the OTP on the merchant’s payment page to authenticate your purchase.

• 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.

• 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.

• 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.

• What is the Visa Secure service?

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

• 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.

• How much does Visa Secure cost?

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

• 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.

• 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 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.