Registering for Verified by Visa

What is Verified by Visa?

Verified by Visa is a service that lets you use a password and Personal Assurance Message (PAM) with your Unicredit Visa card. Your password is as easy to use as your PIN at an ATM - and it means you're the only one who can use your Visa card to make purchases over the internet from participating merchants. For added security, your PAM confirms that you are connected to a legitimate website, and that your card is being authenticated by Unicredit.

Can I register with my existing Unicredit Visa card or do I need to apply for a new one?

You can register any Visa card to be protected by Verified by Visa as long as your card issuer offers this service. Unicredit offers this service to all our Visa cardholders.

How do I register my card?

• Contact Unicredit on (08) 9389 1011 or email enquiries@uncredit.com.au for your member registration number.
• Go to the register now link with your registration details and Visa card in front of you.
• Follow the instructions.

After I register, how long does it take for Verified by Visa to start working?

Verified by Visa is available as soon as your registration is confirmed.

Do I need any special equipment or software on my computer?

All you need is an internet connection and Internet Explorer, Mozilla (Netscape, Firefox etc.) or AOL browser software version 4.0 or above. To find out if your browser is compatible, go the "Help" menu on your browser's home page and select the "About" option. It should tell you which version is installed on your computer.

Why is it necessary to have this security?

There have been an increased number of cases in recent years of internet fraud that has created a need for both consumers, merchants and financial institutions to develop better internet security for online shopping.

Therefore Unicredit are offering a very secure service, with no cost to our members, for use every time you shop on the internet and to protect our members from becoming victims of fraud.

I have more than one card issued on my Visa card account. How does Verified by Visa work for the additional cards?

Verified by Visa will still work for all the Visa cards on you account - you simply need to register and create a password and Personal Assurance Message (PAM) for each one.

Please note that once a credit union Visa account is registered with Verified by Visa, all cardholders will need to register and create their own password and PAM before shopping at participating online stores.

Using Verified by Visa

How does Verified by Visa work?

Verified by Visa provides you with a password to protect your online transactions, just like your PIN at an ATM. Here's how it works:

• Select the goods or services you want from a Verified by Visa online store and proceed to the payment page
• Enter the payment details request including your credit union Visa card number
• The online store connects with your credit union to check whether your card is secured with Verified by Visa
• A Verified by Visa pop-up window will appear on your computer screen showing your Personal Assurance Message
• You confirm your Personal Assurance Message, then enter your password. Your credit union will then confirm your identity to the merchant
• Your payment is authorised and your order is placed. It's that simple!

View the Visa online shopping demo here. To view this, Macromedia Flash player will be installed if it isn't already.

What is a Personal Assurance Message?

When you register for Verified by Visa, you will be asked to create a Personal Assurance Message. When you pay online, a pop up screen showing this message is your assurance that Unicredit is authenticating your password.

View the Visa online shopping demo here.To view this, Macromedia Flash player will be installed if it isn't already.

What if I forget my password?

If you forget your password, you should contact Unicredit on (08) 9389 1011.

What should I do if I think someone has stolen my password?

Contact Unicredit immediately on (08) 9389 1011.

What are the terms and conditions for using this service?

A full set of Conditions of Use can be found on our web site by clicking here.

You need to read the Conditions of Use to understand all of your rights and obligations for the Verified by Visa service.

Shopping with Verified by Visa

How will the online store know that I have Verified by Visa?

Participating online stores will automatically recognise your Visa card number if it is registered.

What happens if I shop online without registering with Verified by Visa?

Your online transactions will still be processed if you decide to shop online without registering your Visa card, however if you choose this option you will lose your rights to dispute any online transactions.

Ensuring you are registered for Verified by Visa and using registered merchants, is the best method for secure online shopping.

Please read the Conditions of Use to understand all your rights and obligations with the Verified by Visa service.

Where can I shop online with Verified by Visa?

Look for the Verified by Visa mark on participating online stores or check the list of current participants at the Visa web site.

What should I do if I am shopping online and I don't get asked for my Verified by Visa password?

Simply enter your payment details as normal and complete your transaction. It may mean that the merchant is not yet enrolled in the Verified by Visa service.

 

:: more frequently asked questions from the Visa site