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No, there is no such company or person called Verified by Visa.Verified by Visa is offered as a service by your bank or card issuer.There is a liability shift, which further benefits those retailers who offer Verified by Visa during the online checkout process (described above).The move to risk-based authentication creates a further win-win-win for you, your customers and banks.You are then asked to identify yourself either with your Verified by Visa password or a code sent to your mobile phone.What you need to do at this stage varies but your bank will tell you about the method they use and what they expect from you.It is difficult for Visa to give general advice about terms and conditions of signing up to the service.

You still have the same level of protection but your bank only needs to ask you for a password or code if they think a purchase is higher risk. When you click this, you will be asked for some information you provided when you signed up.

Verified by Visa works by asking for additional information either from you directly or by analysing data behind the scenes to see if the purchase fits your usual payment behaviour.

Either way, you have the same level of security and protection.

You’ll notice Verified by Visa when a message box pops up on screen after you’ve entered your Visa card details. You’ll see the personal message that only you and your bank know.

(It may be a message that you gave to your bank when you signed up for Verified by Visa).

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