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What Are Verified By Visa & 3D Secure?

    Emily Hale
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Emily Hale

Emily Hale

Expert Analyst & Reviewer
Emily is a content and social media strategist based in Indianapolis. She enjoys discovering new topics and planning content that empowers small business owners to make better choices for their businesses. When she's not in the thick of doing research for Merchant Maverick, she likes painting, meandering through nature and spotting wildlife, or relaxing with her rescue pup, Jetta.

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    You never got to the ugly or even the bad for that matter.. this seemed like a very biased reporting of 3D Secure 2.0. Is the technology just that flawless? I’m wondering why every bank and merchant aren’t sprinting to get this up… From all the data and insights I’ve read across the web, it still sounds like the US is incredibly far behind the EU in adoption from both the issuing banks and the customer experience side.

      Tracey Moore

      This is exactly what is happening to me. I have purchased many things in many countries online. I am trying to purchase tickets at the Vatican Museum site which displays the verified by VISA logo and it will not go thru. I called my card and they said they are not doing it and maybe it is the website. The only difference on this website and others that I use is the Verified by VISA logo displayed at checkout.


        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??

          This comment refers to an earlier version of this post and may be outdated.

          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

              This comment refers to an earlier version of this post and may be outdated.

              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.

                This comment refers to an earlier version of this post and may be outdated.


                Verify by Visa SUCK. It is HORRID for buyers.
                I am an expat with a USA bank account and I am ALWAYS declined on any online purchases for airline tickets, tours or bookings. My bank has no clue why my purchases are declined, “visa” has no idea why my purchases are declined and I am forced to pay extra fees to but over the phone or with another website that does not use VbV for airline tickets, which are usually about 100 more expensive. It is absolutely infuriating to be in a foreign country and have your banking accounts and credit cards held hostage by VBV. It is none of their damned business who I buy from, where and when. There is no way to opt out, and no customer service numbers to call. You simply get declined, for no reason, and with no explanation. It is a barrier to commerce and I will be leaving both my bank and visa for good due to this issue I have had for YEARS with EVERY version.

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