Get What’s Coming to You

Verified by Visa (VbV) and MasterCard SecureCode are services that allow issuers to authenticate the cardholder at the time of purchase for Internet-based transactions. The cardholder registers his or her card with the issuer, adding a personal password to the account to enter at checkout.

When using VbV or Secure-Code, the merchant collects the authentication data, which then are submitted to the processor during authorization. The processor in turn passes the authentication to the card association. To use these, the merchant must integrate plug-in software that communicates to each card association’s central server to get issuer authentication at the time of purchase.