Verified by Visa FAQs
Q: What is Verified by Visa?
A: Verified by Visa is a service offered by Star One Credit Union and developed by Visa to help ensure that only you are authorized to use your Visa card to shop online.
Q: Who can register for Verified by Visa?
A: Anyone with a Star One Credit Union Visa Credit Card or Check (debit) Card.
Q: What is the benefit for consumers?
A: It provides added assurance when using your Visa card to make purchases online. You can be comfortable that any online merchant using the Verified by Visa security system is a legitimate commercial entity.
Q: Is my personal information safe and secure?
A: Yes. Your information is transmitted using a high level of encryption and is stored on a secure server.
Q: Does Verified by Visa cost me anything?
A: No. There are no charges associated with this service for members.
Q: Are there any service guarantees?
A: Star One Credit Union assures you that the information you provide is for registration purposes only. Your information is protected and will not be used by or shared with any other parties except the contractors who operate this service on behalf of Visa and Star One Credit Union. You are also afforded all the protections available to you when you use your Visa card in person.
Q: My spouse and I both have the same card number. How does Verified by Visa work for the two of us?
A: Verified by Visa works for both of you. You'll each register and create your own password. Please note that once a Visa account is registered with Verified by Visa, all cardholders will need to register and create their own passwords to shop at participating stores.
Questions About Shopping with Verified by Visa
Q: After I register, how long does it take for Verified by Visa to become active?
A: The added protection of Verified by Visa is available immediately after you complete the online enrollment process. You may begin shopping at participating stores by visiting participating merchants page.
Q: How do I shop with Verified by Visa?
A: Once you've registered, the service will automatically work at any of the participating merchants. Check out our demo to see how simple shopping with Verified by Visa is by going to our Enrollment Page and clicking on the Verified by Visa logo.
Q: Where can I shop using Verified by Visa?
A: At all Verified by Visa participating merchants.
Q: What browser do I need to use for Verified by Visa?
A: Verified by Visa requires Microsoft Internet Explorer version 4.0 and above, Netscape Navigator 4.0 and above, or AOL 4.0 and above.
Q: Can I use Verified by Visa from a different computer than the one where I signed up?
A: Yes. That's one of the benefits of Verified by Visa! You can make purchases at any computer.
Q: Can I use both credit and check (debit) cards with Verified by Visa?
A: Yes! Verified by Visa was designed for use with both credit and check (debit) cards. When you use your check (debit) card with Verified by Visa, your transaction experience will be similar to credit transactions - so you won't enter your PIN. This is known as an off-line debit transaction.
Q: What happens when I finish shopping?
A: When you are finished shopping, proceed to your merchant's checkout page. As the transaction is completed, you will be asked to enter your personal password. Should you forget your password, we'll display a hint you supplied when you registered!
Q: How will the online store know that I'm signed up with Verified by Visa?
A: When you use your Visa card to pay at participating online stores, your Visa card number will automatically be recognized as a registered Verified by Visa card.
Q: Once I sign up for Verified by Visa, will I enter my password wherever I shop?
A: You'll enter your Verified by Visa password only in online stores that are participating in Verified by Visa.
Q: What if I forget my password?
A: Go to our Enrollment page and click on "Forgot Your Password?" You will need to enter your chosen "hint" in order to retrieve your password.
Q: What should I do if I suspect that someone has my password or has used it to make a fraudulent purchase?
A: If you ever suspect that a fraudulent purchase has been made with your Visa account, call us at immediately at (866) 543-5202 8# or (408) 543-5202 8# or send us an e-mail. Always be sure to keep your password safe.
Q: Will Visa's Zero Liability policy cover me if someone uses my password to make a purchase using Verified by Visa?
A: The Zero Liability policy protects you against the unauthorized use of your Visa card. For further details about the Zero Liability policy and Verified by Visa click here.
Questions About Enrollment
Q: How do I enroll for Verified by Visa?
A: Go to our Enrollment Page and enter the requested information to ensure that only you are able to use your Visa card online with participating merchants. It's an easy process.
Q: Why are you asking all these questions during enrollment?
A: We are safeguarding the use of Visa cards by their rightful owners. We must make sure, as best we can, that the owners of Visa card accounts are the ones actually registering their cards and signing up for Verified by Visa. To do this, we have set up a process to check the information you submit against our files to ensure that you, the individual signing up for Verified by Visa, is in fact the person you say you are. Our two-step process verifies the identity of cardholder registrants for Verified by Visa, and provides system-wide confidence to everyone participating in this service, including merchants, credit unions, and banks.
Q: What is the card verification code?
A: A card verification code is a 3 digit number, usually on the back of your Visa card just after the account number, that uniquely identifies the card issued to a cardholder. This is another measure to safeguard your card. Visa can match the card verification code against its own records to help verify that the person trying to register for the service is in physical possession of the card, and likely to be the rightful owner of the card.
Q: What is a Personal Assurance Message?
A: The Personal Assurance Message is created by you during the registration process, and will be displayed back to you when you are prompted for your password during Verified by Visa password verification at checkout. The Personal Assurance Message was designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing Internet users in order to gain access to personal financial information. When the Verified by Visa password window prompt includes your Personal Assurance Message, it provides you with more assurance that it is actually Verified by Visa asking you for your password, and not someone else masquerading as Verified by Visa.
Q: What is the hint?
A: If you key in your password incorrectly three times or forget your password when making a Verified by Visa purchase, a window will pop up and provide you with the hint you supplied during enrollment. If you supply the correct response for the hint that you set up during enrollment, you will be able to complete your Verified by Visa purchase.
