About Verified by Visa
Verified by Visa is a simple and safe way to help protect your Visa card and prevent unauthorised use online - at no additional cost. To use Verified by Visa, you simply verify your identity and create your password. Then, your card issuer will automatically ask for your password whenever your card is used at participating online stores.
For assistance you may call Customer Services at 0207 397 6071, between the hours of 9:00am and 5:00pm, Monday to Friday.
Once you activate your Visa card in Verified by Visa you will see your own Personal Message (PM) every time you use the card at a participating online merchant. Your PM may consist of any combination of letters and numbers; we recommend that the length not exceed one line. Most important is that the PM is a phrase that has a unique and special meaning to you. From here forward every time you use this Visa card you will see your own PM when you shop at a participating merchant. This is how you will know that you are using your card on a merchant site that is protected with Verified by Visa.
When you activate your card through the BBVA web site you will be asked to create a User Name. If you activate your card during shopping a User Name will be created for you.
Create Your Secure Password
Use 6 to 15 characters to create your password. Your password must be at least 6 characters long and must contain at least one number and be typed in a combination of upper case and lower case letters. You may not use spaces. Your password should not be something that another person could figure out, like you name, or your birthday, and it is recommended that it include both letters and numbers. Record your password in a safe place--it will be used on all future purchases at participating online stores. When you make purchases, be sure to confirm your Personal Message in the Verified by Visa password window before you enter your password.
Forgot your Password / Password Incorrect
If you have more than one Visa card registered with Verified by Visa then check to ensure that you're using the right password for this card.
Welcome and thank you for choosing to use the Verified by Visa online authentication
service for Visa cards ("Verified by Visa").Please read this Terms of
Use Agreement ("TOU") carefully before using Verified by Visa. In this
Agreement, "we," "us," or "our" refers to CardinalCommerce
Corporation, operating on behalf of your issuing bank, and "you," "your,"
or "yours" refers to the user of Verified by Visa. This TOU agreement
between you and us governs the use of your Visa payment card and any transaction
you initiate using Verified by Visa.
1. ACCEPTANCE OF TERMS
Verified by Visa provides its service to you, subject to the terms contained in
this TOU and your applicable CardMember Agreement with you governing the card transactions
for which Verified by Visa is used, as the same may be amended from time-to-time.
We may amend this TOU from time to time without notice to you. Your use of Verified
by Visa will be subject to all guidelines or rules applicable to Verified by Visa
then in existence.
You agree that by establishing Verified by Visa credentials, you accept the terms
of the TOU then in effect. Your continued use of Verified by Visa after amendments
have been made to the TOU evidences your acceptance of such amendments.
Unless explicitly stated otherwise, any new features that augment, enhance, or otherwise
change Verified by Visa shall be subject to the TOU.
2. DESCRIPTION OF VERIFIED BY VISA
Using Verified by Visa in Internet transactions reduces the chances of fraud and
increases security for those transactions.Activating Verified by Visa involves providing
personal information to us, which is then used to confirm your identity in connection
with future online transactions for which Verified by Visa is used. Verified by
Visa also may be used for recordkeeping and reporting purposes, as well as to help
resolve any transaction disputes by your issuing bank. Except as provided in Section
5 below, your Activation Data (as defined in Section 3(b)) is not shared with merchants.
To use Verified by Visa, you must provide us with such information, as we deem necessary
to allow us to validate your identity and verify that you are the owner of the specified
payment card(s). You authorize us to obtain from third parties, including, but not
limited to, consumer credit bureaus and other consumer reporting agencies, information
about you.Additionally, you authorize us to use and retain this information in accordance
may be validated against information we already have on file that is associated
with you, your payment card(s), information we receive from one or more third parties,
or information maintained by a third party.
You agree to (i) provide true, accurate, current, and complete information about
yourself as prompted by Verified by Visa activation form (collectively, the "Activation
Data"), and (ii) maintain and promptly update the Activation Data to keep it
true, accurate, current, and complete with your card issuing bank.If you provide
any Activation Data that is untrue, inaccurate, not current, or incomplete, or if
we have reasonable grounds to suspect that your Activation Data is untrue, inaccurate,
not current, or incomplete, we may suspend, terminate, or refuse your current or
future use of Verified by Visa. You represent and warrant that all information that
you provide to us in connection with your activation is true and correct and that
you have the legal right to use all of the credit card(s) and/or debit(s) cards
that you register for Verified by Visa.
If you are unable to provide us with sufficient information to validate your identity,
we will deny your activation.
If you do not successfully activate for Verified by Visa, the merchant may not accept
your Visa payment card in payment for an Internet transaction subject to Verified
To use Verified by Visa, you must have the ability to access the World Wide Web
(WWW) and must pay any service fees associated with such access. In addition, you
must have access to the equipment necessary to make such a connection to the WWW,
including a computer and modem or other access device.
During activation for Verified by Visa, you may be asked to create a password or
you may be provided a hint as to the use of an existing password.When engaging in
a transaction for which Verified by Visa is used, you may be asked to provide your
Verified by Visa username and password before the merchant accepts your Visa payment
card in payment for the transaction. If you are unable to provide your Verified
by Visa password, or if the authentication through Verified by Visa otherwise fails,
the merchant may not accept your Visa payment card in payment for that transaction.
By activating for Verified by Visa, you agree to the use of Verified by Visa to
evidence your identity, which includes the validation of any pre-authorized recurring
transactions occurring at substantially regular intervals.
CardinalCommerce Corporation stores your Activation Data, and, except as provided
below, your Activation Data will not be shared with merchants.
You acknowledge and agree that we may keep and maintain your Activation Data.We
may disclose your Activation Data to third parties if required to do so by Applicable
Law, as such term is defined in Section 7(ix), in the good faith belief that such
disclosure is permitted or required by Applicable Law or if the disclosure is reasonably
necessary to (i) comply with legal process or (ii) enforce this TOU.
Your Activation Data and all personally identifying information that we obtain or
at this web site.
6. CARDHOLDER SECURITY CREDENTIALS
You are solely responsible for maintaining the confidentiality of your credentials,
Activation Data and other verification information established by you with, or provided
by you to, Verified by Visa, and all activities that occur using your credentials,
Activation Data or other verification information established by you with, or provided
by you to, Verified by Visa. You agree not to transfer or sell your use of, or access
to, Verified by Visa to any third party. You agree to immediately notify us of any
unauthorized use of your password or other verification information, or any other
breach of security. You acknowledge and agree that, except as otherwise provided
by Applicable Law or in our Cardmember Agreement with you, we will not be liable
for any loss or damage arising from your failure to comply with this TOU.
7. YOUR CONDUCT
You agree NOT to:
impersonate any person or entity using Verified by Visa;
upload, post, e-mail, or otherwise transmit any material that contains software
viruses or any other computer code, files, or programs designed to interrupt, destroy,
or limit the functionality of any computer software or hardware or telecommunications
equipment used to deliver the Verified by Visa service;
modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble
any portion of the Verified by Visa Website or service or the software used in connection
with the Verified by Visa service;
remove, misappropriate, or misuse any copyright, trademark, or other proprietary
rights notices contained in this web site;
"frame" or "mirror" any part of the Verified by Visa Website
or service without Visa's prior written authorization;
use any robot, spider, site search/retrieval application, or other manual or automatic
device or process to retrieve, index, "data mine," or in any way reproduce
or circumvent the navigational structure or presentation of the this website or
service or its contents;
otherwise interfere with, or disrupt, the Verified by Visa service or servers or
networks connected to Verified by Visa, or violate this TOU or any requirements,
procedures, policies or regulations of Verified by Visa or of any networks connected
to Verified by Visa; or
violate any applicable local, state, national or international statute, regulation,
regulatory guideline or judicial or administrative interpretation (collectively,
the "Applicable Law"), or any rule or requirement established by Visa
in connection with your use of Verified by Visa.
You agree that we will not be liable to you or to any third party for any modification,
suspension, or discontinuance of Verified by Visa or this service.
Under no circumstances will we be liable for consequential, incidental, special
or indirect losses or other damages, such as any damage to your computer or telephone
service resulting from your use of Verified by Visa.
We assume no responsibility for, and will not be liable for, any damages to, or
any viruses which may affect, your computer equipment or other property on account
of your access to, use of, or downloading from, this Website.
We may temporarily or permanently deactivate your ability to use Verified by Visa
and/or terminate your relationship with us at any time, with or without fault on
10. DEALINGS WITH MERCHANTS
Your correspondence or business dealings with, or participation in promotions of,
online retail or other merchants on or through Verified by Visa, including payment
and delivery for related goods or services, and any other terms, conditions, warranties
or representations associated with such dealings, are solely between you and such
merchant. You agree that, except as otherwise provided by Applicable Law or in our
Applicable Cardmember Agreement with you, we will not be responsible or liable for
any loss or damage of any sort incurred as the result of any such dealings. You
understand that use of Verified by Visa does not, in any way, indicate that we recommend
or endorse any merchant, regardless of whether the merchant participates in Verified
by Visa. For example, neither we nor Visa verify the identity of the merchant or
the quality of the merchant's goods or services.
11. DISCLAIMER OF WARRANTIES
You understand and agree that any software that you obtain or use through or in
connection with Verified by Visa will be obtained and used at your own discretion
and risk. Except as otherwise provided in this TOU Agreement, you will be solely
responsible for any damage to your computer system or loss of data that results
from the download or use of any such software or other materials through Verified
EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE LAW, WE MAKE NO REPRESENTATIONS
OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY
WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ABOUT VERIFIED
BY VISA. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE
ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
Notices may be sent to you via either e-mail to any address in your Activation Data
or other information that you have provided to us in connection with any of your
accounts with us, or your payment card(s) issued or otherwise provided by us.
13. AGE AND RESPONSIBILITY
You represent that you are of sufficient legal age to use Verified by Visa and to
create binding legal obligations for any liability you may incur as a result of
the use of Verified by Visa. Except as otherwise provided by Applicable Law or in
our Applicable CardMember Agreement with you, you understand that you are financially
responsible for all uses of Verified by Visa by you and those authorized by you
to use your Activation Data, your password or other verification information.
Visa and Verified by Visa are registered Trademarks of Visa International Service
Association in the United States and other countries.
Learn More: Safe and Secure Shopping Online
During the last few years, internet use has expanded as a new way of shopping across a wider expanse of merchants and products
Visa introduced a new online payment program as a way of keeping the card safe from online fraudulent use. Verified by Visa SecureCode enables a cardholder to create a Password that he or she will enter when shopping online as part of the checkout process. This Password is an 'electronic signature' for Internet transactions. Once you register your card in the program, by activating your card, you will be able to 'sign' the transactions with your Password.