Verified By Visa

Once Verified by Visa is activated, the online store recognises your card and initiates a pop up window in order for you to enter your password. Your password will then be verified and your payment authorised. In online stores that are not yet participating in Verified by Visa, your Visa card will work as normal.


You must be registered for Heritage internet banking in order to sign-up for Verified by Visa.

If you are registered for Heritage internet banking, please follow these instructions:

How to sign up for Verified By Visa

  1. Logon to Heritage internet banking
  2. Choose 'Services' then 'Set Verified by Visa Password'
  3. Click on the drop-down box and choose the appropriate card number to register
  4. Enter in a password (note: this must be no longer than 12 characters)
  5. Re-enter your password for verification
  6. Enter your personal assurance message. This message will be displayed on the screen when you are using your registered Visa card. It is an additional security feature

If you are not registered for Heritage internet banking, please click here to find out more information and learn how to register.


 What is Verified By Visa?

 How does Verified By Visa work?

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

 Can I register more than one Visa card?

 How do I register my Visa card?

 My spouse and I both have the same Visa account. How does Verified by Visa work for the two of us?

 Can I register my non-Visa payment cards with Verified by Visa?

 After I register, how long does it take for Verified by Visa to become active in my card?

 Once I have registered, how do I use Verified by Visa when I shop online?

 Where can I shop with Verified by Visa?

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

 If I suspect someone has stolen my password or used it to make fraudulent purchases, what should I do?

Shopping Tips

  1. Use a secure web browser
    Use a secure browser - look for an "s" after the "http" in the web page address or URL.
  2. Keep your password secret
    Some online stores require you to register a user name and password before buying an item. Just as you keep your Automated Teller Machine (ATM) code secret, keep your password secret from outside parties. If shopping with Verified by Visa keep your Verified by Visa password secret.
  3. Use the internet to compare between shops before buying online
    Compare products and prices before you buy - click around to find your item at the best price.
  4. Protect your card details
    Only give your Visa card details when making purchases - do not provide them for any other reason.
  5. 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.
  6. 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.
  7. Register for Verified by Visa
    Verified by Visa is a new service that will let you use a personal password with your Visa card, giving you added reassurance that only you can use your Visa card to shop online.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

To approved applicants only. Conditions, criteria and fees apply. Please consider the Guide to Heritage Credit Card Products (available in-branch, by phoning 13 14 22 or at before you decide whether this product is right for you.