FAQ

Verified by Visa

Most popular questions...

• What browser do I need to use for Verified by Visa?

  Verified by Visa requires Microsoft Internet Explorer version 5.5 and above or Netscape Navigator 7.1 and above.

• How much does Verified by Visa cost?

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

• Can I use Verified by Visa from any computer?

  Yes, you can use Verified by Visa from any computer connected to the internet, with a compatible browser, as outlined above.

• Can I request that all transactions I make online go through the Verified by Visa service? 

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

• Can I use Verified by Visa 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 VBV merchant you may be required to enter in personal information that is held by People's Choice Credit Union to complete the transaction.

More questions...

• Will my account be billed for Verified by Visa purchases?

  Your Verified by Visa 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 Verified by Visa work?

  As you make a purchase online, Verified by Visa 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 Verified by by Visa service?

  Verified by Visa 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 Verified by Visa?

  No. We will register your card for Verified by Visa 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, Verified by Visa 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 Verified by Visa, nor is it passed to anyone including the online merchant.

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

  Protection the Verified by Visa 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 Verified by Visa service.