How to avoid paying credit card interest and late fees
Understand how to avoid any extra fees and interest charges so you can make the most of your card.
Learn more
Visa Secure and eftpos Secure
Visa Secure and eftpos Secure are available online at participating businesses. When you make an online purchase using your Heritage Visa Debit or Credit Card you may be guided through an additional check to verify your identity. This helps Heritage know you’re really you, and it better protects you from fraud.
About this Rate
About
What is Visa Secure and eftpos Secure?
Visa Secure and eftpos Secure provide an extra layer of authentication to your online purchases from participating businesses.
Each time you make an online purchase with a participating business, Visa Secure or eftpos Secure will check the transaction. If it seems out of the ordinary, you may be guided through an additional check to verify your identity. This may be because you're making a high dollar value transaction, or purchasing from a business you’ve never bought with before.
Visa Secure is available on all Heritage cards and eftpos Secure is now available on debit cards.
Getting started
If a business participates in Visa Secure or eftpos Secure and your purchase requires additional verification, a pop-up window will be displayed during your checkout.
You'll see the details of your transaction and a field to enter a One Time Password. The code will be sent to the mobile number registered on your Heritage account.
Once you receive the code, type this into the One Time Password field, and press submit. The code will be verified and your payment will be authorised.
Stay scam aware
Never disclose your code or One Time Password to anyone, including your bank. This includes over the phone, by SMS or email. If you're unsure about the legitimacy of a request for a one-time code from Heritage, you can call us to check on 13 14 22.
FAQs
How do I register my card?
If you hold a Heritage Visa Debit or Credit Card, you will automatically be registered for the service available on your card. You will need to make sure your mobile phone number is up to date on your account so you can receive the one-time code from us.
I have a joint account, who will receive the one-time code?
Heritage will send the code to the mobile phone number we have registered for you individually. Make sure Heritage has up-to-date mobile phone numbers for each cardholder on your account. You can check this by updating your details online, calling us or visiting your local branch.
Where can I shop with eftpos Secure?
Look for the eftpos mark on participating online stores.
Where can I shop with Visa Secure?
Look for the Visa Secure mark on participating online stores.
I received a message that my card is blocked, what do I do?
If you enter an incorrect one-time code too many times, your card will be blocked and you will receive an error message.
To unblock your card, contact us for help on 13 14 22.
I'm travelling overseas and I'm unable to receive the one-time code on my mobile. What do I do?
If you're travelling overseas, you may decide to leave your Australian mobile on flight mode.
This means you won't be able to receive text messages to the mobile number registered on your account.
If you need to make a purchase that is requesting a Visa secure or eftpos Secure code, contact us on +61 4694 9000 from overseas.
Once we identify you, we will be able to assist you to complete the transaction.
Secure Shopping Tips
- You must keep your code and password secret
Never disclose your code or One Time Password to anyone, including your bank. This includes over the phone, by SMS or email. If you're unsure about the legitimacy of a request for a One Time Password or code from Heritage, you can call us to check. - Don't hesitate, report scams 24/7
If you suspect that you've fallen victim to a scam or if any unusual activity has occurred on your accounts, including while using Heritage Online or your Mobile Banking App, contact us immediately. Our team is available 24/7 and will work quickly to protect your account.
- If it seems to good too be true, it probably is
Compare products and prices before you buy. Be wary if the price of an item is lower than normal or if a service is offering something that seems to good to be true. Always do your research.
- Protect your card details
Only give your card details when making purchases you have initiated with a trusted business. Do not provide them for any other reason.
- Check delivery and return policies
Before completing an online transaction, read the delivery and return policies on the online store’s home page. Find out if you can return items and who bears the cost.
- Keep a record of your transactions
Keep a record of your transactions - just in case you need to return an item or have a question about your purchase.
- Beware of unusual payment methods
Scammers often ask for payment by wire transfers, preloaded cards and even Google Play, Steam, or iTunes gift cards and cryptocurrency. These are nearly always a sign that it is part of a scam. - Get Scam Savvy
Read our brochure on The golden rules to protect yourself from scams and fraud.
Our Contact Centre is here to help you with internet banking, account troubleshooting, card management and lots more.
Call our internet banking support line on 1300 722 767 or tap here for live assistance.
Fight scammers with our help. Learn how we protect you from fraud and become savvy at identifying scams with our help guides and security tips.
These articles may help you
Why use a credit card
From building savings to rewards programs, here are the 6 main benefits of using a credit card.
Learn more
What to do if you lose your credit card
It's time to act quickly! Here's four things to do once you've realised you have lost your card.
Learn more
How to transfer money
Learn how to transfer money to an account, credit card or home loan in internet banking with this helpful how-to video and step-by-step guide.
Learn more
What is a credit report?
When you apply for credit, your lender may seek your permission to check your credit report. But what is a credit report and how is it used?
Learn more
Lending interest rates explained
Whether it be for a home, car or other personal loan, what do the rates you see advertised actually mean?
Learn more
Tips for booking a holiday online
A little bit of holiday organisation is well worth the effort. Here's 6 tips for booking your holiday online.
Learn more