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ALL VISA Cardholders with Encompass Credit Union are automatically enrolled in the Verified by Visa service.

(from time to time you may be challenged to provide further details to identify you as the authorised cardholder)

What is the Verified by Visa service?
Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card.

How does Verificed by Visa work?
As you make a purchase online, your Credit Union assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so your Credit Union can be sure the card isn't being used without your permission.

Will I need to apply for a new card to use Verified by Visa?
No, we will register your card for Verified by Visa on your behalf, so you'll automatically be protected.

Will I require a username and password for Verified by Visa service?
Protection the Verified by Visa way is simple because you don't have to remember usernames and passwords - you will be automatically registered and protected. If your card is new, we will register the card before we issue it to you. With existing cards, we will take care of registering it as part of the Verified by Visa service.

Why would I be asked to confirm personal details and is this safe?
Each time you make an online purchase the Credit Union assesses the risk level of the transaction - certain activity may seem out of the ordinary, maybe because it's a high dollar value, or a retailer you've never bought with before.

If we are concerned a transaction may be fraudulent, it will prompt you to confirm your identity, and you will be requested to enter some personal details unique to your account with us.

Will my account be billed for Verified by Visa purchases?
Your Verified by Visa purchases will appear as normal purchases on your statement, under the name of the 'merchant' - that is, the company from which you made your purchase.

How much does Verified by Visa cost?
This additional security benefit is provided to you free of charge.

Can I use Verified by Visa from any computer?
Yes, you can use Verified by Visa from any computer connected to the internet, with a compatible browser as outlined above.

How can I get further information?
For further information please contact us