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What Are Verified By Visa And 3D Secure?

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Emily Hale

Emily Hale

Emily is a writer, strategist, and freelance consultant based in Indianapolis. She is driven to create content that empowers her readers and her clients to make better choices in their business and their lives. When she's not in the thick of researching and developing blogs for Merchant Maverick, she likes to cook from scratch for her family or escape outdoors and meander through nature with her rescue pup.
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    I’m having a very hard time finding out which US banks and which cards participate in Verified by Visa or the equivalent MasterCard. Surely there should be an easy way to do this. If the card I have is not in the program, how do I find one that is so I can apply for it??

      Jessica Dinsmore

      Hi Windrider354,

      While it’s not as easy as an all-inclusive list, we recommend searching for “Verified by Visa” or “Mastercard SecureCode” and “bank” or a particular bank, if you have one in mind. We were able to find banks for Mastercard’s program including BMO Harris, Heritage Bank, and other smaller banks as well. You can find the Verified by Visa program at PNC bank and Wells Fargo.

        Kevin Higgins

        I am going to Japan and I want to buy tickets to Disneyland using either my Wells Fargo Visa card or my Citibank Costco visa card neither of them work for Disneyland Tokyo because they get rejected by verified by Visa
        when I called Citibank they say we have nothing to do with it when I talk to verified by Visa they say it’s all up to your bank what I recently found is that the bank has to be part of the verified by Visa program which changed the name recently to Visa secure and I can’t get an answer whether Citibank Costco visa card is a member of Visa secure
        I just called them and they’re having problems and said to call back in a couple hours this is very frustrating and it seems like Citibank Costco visa card people are idiots for not knowing whether they belong to this verified by Visa
        Is it your experience that when you call the bank you get the credit card from that they have no idea what verified by Visa or Visa secure is because Citibank Costco visa card seems like a big deal but they have idiots answering the phone

          Dakota Fillet

          Hi Kevin, To be honest, this isn’t something we’ve ever encountered before, so it may be a bit outside of our expertise. You would probably have to talk to the fraud division of the banks, for people to know what Verified By Visa is, but we do not have a whole lot of experience with the consumer side of the program. If you happen to figure this out on your own, please let us know what solution you find so we can learn how to answer something like this in the future.

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