Verified by Visa - Frequently Asked Questions

Q: What is Verified by Visa?
A: Verified by Visa is a convenient new service that protects Air Force Federal Credit Union VISA cards by allowing cardholders to add a personal password to their card - at no cost - for added security while shopping online.

Q: Why should I register for Verified by Visa?
A: A Verified by Visa password helps ensure that only you can use your Visa card to make purchases online. Even though Air Force Federal Credit Union already protects your card against unauthorized use, Verified by Visa provides an extra level of protection for online shopping. If a card number is ever compromised, for whatever reason, Verified by Visa helps prevent unauthorized use online before it can even happen.

Q: How much does Verified by Visa cost?
A: There is no cost to register your Air Force Federal Credit Union VISA card with Verified by Visa and the process takes only a few minutes.

Q: Am I required to register my Air Force Federal Credit Union VISA card through Verified by Visa?
A: No. You are not required to register your Visa cards in the Verified by Visa program. However, if you do not register your cards in the Verified by Visa program you may not be permitted to use your cards at online stores that participate in the Verified by Visa program. Participating online stores may prompt you at your order to either (1) immediately register your card in the Verified by Visa program or (2) pay for your order by selecting another payment method.

Q: How do I register for Verified by Visa?
A: There are two ways to register your Air Force Federal Credit Union VISA card:

1. Register any time at www.visa.com/verified. You'll be asked to enter your card number and provide the requested identifying information. A quick identity verification will take place. You will then be asked to create a personal password.

2. Register at the time of purchase. When initiating a purchase online with a participating merchant, a Verified by Visa window will appear. You will be asked to enter your card details and provide identifying information. A quick identity verification takes place and you will then be asked to create a personal password. Once the process is complete, you are returned to the merchant site to finish your sale.

Whichever option you choose, the level of protection remains the same.

Q: Verified by Visa asked for the "Signature Panel Code" from the back of my card. What is this code?
A: This code is called the Card Verification Value 2 (CVV2) - a three-digit security code that is printed after your card number in the signature line on the BACK of your Visa card. Since an actual Visa card is not presented when making purchases online, asking for the CVV2 allows merchants to validate the card you are using and helps reduce the potential for fraud.

Q: How do I use Verified by Visa?
A: It's easy and safe to shop online with Verified by Visa. Simply shop at online stores that participate in the Verified by Visa program. When you're ready to buy, enter your Visa number as always and submit your order. A Verified by Visa window will appear. Submit your personal password. Once your identity is confirmed, you will be returned to the merchant and your purchase is completed.

Q: Will I need to apply for a new Visa card to use Verified by Visa?
A: No. Verified by Visa is designed to protect the Visa card(s) that you already have.

Q: Can I choose my own Verified by Visa password?
A: Yes. Your Verified by Visa password must be 6 to 10 characters in length and must include at least one letter and at least one number.

Q: Can I change my Verified by Visa password?
A: Yes. To change the Verified by Visa password on your Air Force Federal Credit Union VISA card visit www.visa.com/verified and re-register your card.

Q: What if I forget my password?
A: If you forget your Air Force Federal Credit Union VISA card password, click "Forgot your password" and follow the instructions.

Q: When I enter my Visa card number on the Verified by Visa web site, how does Visa protect my personal information?
A: Visa takes extensive precautions to safeguard and secure your personal and financial information. Personal and payment card information is transmitted using a high level of encryption, and is stored on Visa's secure server behind a firewall to protect against unauthorized access.

Q: Will I have to provide my Verified by Visa password when I use my Visa card at stores and restaurants?
A: No. The Verified by Visa password is only necessary when conducting transactions online at participating merchants.

Q: I share the same Visa credit card number with other family members. Will Verified by Visa work for all of us?
A: Yes. All family members on your Visa credit card account will need to register their cards and create their own personal Verified by Visa passwords so that they can shop at participating online stores.

Q: Which browsers will work with Verified by Visa?
A: Verified by Visa works on the following browsers: Internet Explorer 5.x and up, Netscape 6.2 and up, and AOL 7 and 8.

Q: Are all online stores participating in the Verified by Visa program?
A: No. Some merchants that participate in the Verified by Visa program include: Blockbuster, Bed Bath & Beyond, CompUSA, Dell, eToys.com, Niketown, Nordstrom, Northwest Airlines, Priceline.com, Petco.com, Walgreens, Walmart.com and 1-800-Flowers.com. All participating merchants are listed at Verified by Visa's site at www.visa.com/verified.

Q: If my Visa cards are registered with Verified by Visa, will I be able to use them at online stores that do not participate in the Verified by Visa program?
A: Yes. If you choose to use a card registered in the Verified by Visa program at an online merchant that does not participate in the program, your online sale will be processed as before, without requiring entry of your Verified by Visa password.

Q: Can I register my Air Force Federal Credit Union VISA debit card through Verified by Visa?
A: No. Not at this time.

Q: Can I register all my cards through Verified by Visa?
A: For your safety, we recommend you shop online only with cards like the Air Force Federal Credit Union VISA card that offer the added protection of Verified by Visa. You may register any Visa card you use for online shopping through Verified by Visa as long as the issuing financial institution participates in the Verified by Visa program. MasterCard offers its own online security program, MasterCard SecureCode, for MasterCard cards.

Q: Upon registration, I entered my information and password but got an "Authentication Failed" message. What does this mean?
A: This means that Verified by Visa was unable to verify your identity.

Q: I tried my password but was unable to complete my purchase. What happened?
A: If you made repeated attempts (more than three) to enter your password or personal data during one sale, you will be prevented from using your Visa card at participating online stores. You will, however, still be able to use your Visa card elsewhere.

Q: I used my Verified by Visa password and completed the transaction, but my card was still declined. Why?
A: While your identity was verified, the transaction still needs to be authorized based on your available balance. For assistance call 210.673.5610 or 1.800.227.5328.

For more details about Verified by Visa, visit www.visa.com/verified.