Activate it once. Get added security forever.

Overview
Features and Benefits
FAQs

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Overview

Same card, added safety online
Take the VISA card you already use, add a password to confirm online purchases, and you’ve got Verified by Visa. It’s the new service that helps ensure that only you can use your VISA card online. VISA always protects you against unauthorized purchases. But, with Verified by Visa, you can help prevent unauthorized purchases before they happen.

Why you should enroll, even if you don’t shop online
Even if you don’t shop online, you should still activate your card with Verified by Visa in order to protect yourself from someone who may try to use your card fraudulently online. By securing your account with a password, you are avoiding the inconvenience of unauthorized purchases.

Here’s how it works
Verified by Visa is a new service that protects the Visa Credit or Debit Card that you already have. So once you activate Verified by Visa:

• At participating online stores, your card will be automatically recognized as protected by Verified by Visa.
• Your password will be verified.
• The transaction will be completed as usual.

When can I activate my card with Verified by Visa?
BWCU members can already activate their Classic and Platinum VISA Credit Cards. VISA Debit Cards will be available for activation on June 6, 2003. Create your own password at www.visa.com/verified.

Security that’s linked to your card, not your computer
With Verified by Visa you can use your card to shop with added safety from any computer that has Internet access. Verified by Visa will require Microsoft Internet Explorer 4.01 and above, Netscape Navigator 4.08 and above, or AOL 5x and above.

Go to www.visa.com/shopverified for a list of participating merchants.

Features and Benefits

Research indicates that about 3% of VISA commerce transactions occur over the Internet, yet these transactions account for 8% of all card account fraud committed. As a result, many cardholders are hesitant to make online purchases.

Verified by Visa offers several benefits for cardholders, financial institutions, and merchants. By providing better security over the Internet for financial transactions, Verified by Visa can help your institution lower the percentage of fraudulent transactions.

Verified by Visa's general objective is to provide enhanced security to online electronic commerce transactions. By providing better security for cardholders, Verified by Visa accomplishes the following goals:

• Improves Internet purchases
• Reduces operational expense
• Reduces risk associated with Internet transactions

Cardholder's Involvement in Verified by Visa
Cardholder participation is a key component in the Verified by Visa program's success. For cardholders to participate, they must register with their issuing financial institution. They will need to provide account information, validate their identity, and agree to all of the terms and conditions of the Verified by Visa service.

Verified by Visa - Frequently Asked Questions
	What is Verified by Visa?
	Verified by Visa is a unique service that uses personal passwords to help protect Visa card numbers against unauthorized use. Once your card is activated, no one can use the card online without your personal password.
	Why should I sign up for Verified by Visa?
	Verified by Visa provides an extra level of protection for shopping online. Visa always protects its cardholders against unauthorized use, but Verified by Visa helps to prevent unauthorized use online before it can even happen.
	How much does Verified by Visa cost?
	Verified by Visa is free to existing Visa cardholders.
	During a purchase transaction, how many attempts do I get to enter my password?
	Your can make three attempts to enter your password.
	Where can I find a list of participating merchants?
	The list can be found on Visa's website at www.visa.com/verified.
	Does MasterCard have a product similar to Verified by Visa?
	MasterCard has a similar product in development called SPA (Secure Payer Authentication). More information will be provided by MasterCard as it solidifies its plans for this product.
	What security questions will be asked when I setup my Verified by Visa password?
	The information asked of you when you enroll will include information on your card and personal information (such as social security number, phone number, etc.) about the primary cardholder.
	Will the security information be adequate to protect me from unauthorized use if my wallet or purse is stolen?
	While the enrollment process provides significantly improved security for Internet transactions, and greatly reduces the risk of unauthorized card use, it is not possible to eliminate the risk completely. If your wallet or purse is stolen, you must block the account from all authorizations. You will then need to re-enroll in Verified by Visa after receiving a new card number - your password will not transfer to the new account.
	What happens if I have not set up a Verified by Visa password and then attempt to make a purchase at a participating merchant? Can I set up my password at the time of purchase or will I need to go to the Verified by Visa site to enroll?
	You need to enroll at www.visa.com/verified. If you have not enrolled, the transaction will be processed without showing the a Verified by Visa window to the cardholder. If the cardholder is not enrolled, the transaction will not be authenticated.

Check out additional Verified by Visa information at www.visa.com/verified.