Your online shopping
secured by Visa
Always working to protect you
At [MERCHANT], we want to ensure the security of everyone we do business with. One way
we do this is to prevent the unauthorized use of cards — especially online when we can’t
see a physical card.
As a Visa cardholder, your transaction is secured with Visa and you may be guided throughan additional check to verify your identity. This helps us know you’re really you, it helps yourbank make a more accurate approval decision, and it better protects you from fraud.
Learn more about how it works at [VISA WEBSITE].

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Frequently Asked Questions
When I shop online and see the Visa Secure badge, what
does this mean? How are my online purchases secured
with Visa?
Visa has developed a program that helps confirm youridentity when you make an online purchase. This service
helps make shopping online more secure by protecting
against unauthorized use of your Visa card. There’s no needto download anything, install software, or register for anaccount. During an online purchase from your desktop,
mobile or other digital device, you may be guided throughan extra check to verify your identity. This helps us ensure
you’re you and better protects you from fraud.
What is the benefit?
Through this program you have an added layer ofprotection that helps to prevent the unauthorized use ofyour Visa card while shopping online. This service helps us
know you’re really you and most importantly it protects
you from fraud.
Is my personal information safe and secure?
Yes. Your information is [insert specific security language,i.e. transmitted using a high level of encryption and isstored on a secure server].
Does this Visa service cost me anything?
No. There are no costs associated with this service.
Can I use both credit and debit cards?
Yes! This service was designed for both Visa credit anddebit cards when shopping online with us. When you use
your Visa debit card, your online transaction experience will
be similar to a credit transaction.
Do I need a new Visa card to use this service?
No. Your current Visa card will work, as long as the financial
institution that issues your card is part of this Visa program.
Please visit your issuer’s website for more information.
How will I know if my online purchase has this added
layer of protection?
This service automatically works at checkout. Remember,there’s no need to download anything, install software, orregister for your account to get this added layer ofprotection. When using this service, you may occasionallybe prompted at checkout to verify your identity, but this is
to ensure you’re you and protect you from fraud.

What happens when I finish shopping?
As you complete the transaction, you may be prompted toverify your identity if additional authentication is required.
It’s important to take special precautions when shopping
online. This extra verification step helps ensure the personusing your card is you.
If I do encounter this extra verification step, what will theextra check be?
The financial institution that issued your Visa card has anumber of tools that can help verify your identity such as a
one-time passcode or biometrics. If you encounter thisextra step, simply follow the instructions on your screen toverify your identity.
I see the Visa logo when I’m going through the extra
check. What’s this about?
If you do encounter this extra verification step, Visa helps
route information to your financial institution so they cancan verify your identity. The Visa logo is there to give you
peace of mind that the transmission is secure and reliable.
I used to see and use Verified by Visa on your website. Is
this service different?
No. Although the Verified by Visa name is no longer in use,
the same technology is in place to help protect you. In fact,
this service was recently enhanced to make transactions
more secure and the user experience more seamless.

Merchant FAQ specifically for Europe
The EU’s Second Payment Services Directive (PSD2) will
mandate Strong Customer Authentication (SCA) before
initiation of the payment. Is this service compliant withPSD2?
Yes, Visa recently enhanced its security for online
purchases including both e- commerce and m-commercetransactions that satisfies the Strong Consumer
Authentication requirement of the EU’s Payment Services
Directive being rolled out in 2019

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