Payment authentication or 3D secure are fraud prevention initiatives launched by card issuers. Verified by Visa (VbV) and MasterCard Secure Code (MSC) work in the same way. The authentication works by using passwords which are set up by you, to protect you, when you shop online.
What is Verified by Visa?
Verified by Visa is an authentication service that protects Visa cards against unauthorised use when you shop online at participating retailers. The service protects Visa cards with PIN passwords, giving cardholders reassurance that only they can use their Visa cards online. Once your card is activated, your card number will be recognised whenever it's used at participating online stores. A Verified by Visa window will automatically appear and your Visa card issuer will ask for your password. You'll enter your password to verify your identity and complete your purchase. At stores that aren't participating in Verified by Visa, your Visa card will continue to work as usual.
How do I activate my card?
Many customers register their payment authentication with their card issuer. However, if you have not registered your card, you can register during the transaction. You should enter your card details and set a password in the secure window. Once you have registered your card, when you shop online in the future you will only have to enter your password.
Who do I contact for further information?
Customers should have received information about the payment authentication process from their card issuers. If you require more detailed information or encounter a problem with the authentication process, please contact your card issuer directly. Unfortunately, we have no control over the payment authentication process so we will be unable to assist with any password authentication enquires.
If you are an AIB card holder, we can provide the link to the AIB Secure Internet Shopping page which provides AIB members with useful information this service.