If the merchant participates in Verified by Visa, a pop-up window will be displayed, in order for you to enter your One Time Password (OTP). Your OTP 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.
All Heritage Visa cards are registered for Verified by Visa. You will need to make sure we have your up to date mobile phone number, to allow us to send your OTP.
►▼ What is Verified By Visa?
Verified by Visa is a service that will let you use an OTP with your Visa card, giving you added assurance that only you can use your Visa card to make purchases over the Internet.
►▼ How does Verified By Visa work?
Verified by Visa provides you with an OTP to protect your online transactions, just like you use your PIN at an ATM. Here are the steps:
Select the goods or services you want from a Verified by Visa online store and proceed to the payment page.
Enter your Visa card number and the online store connects with Heritage to check whether your card is secured with Verified by Visa.
Heritage initiates a pop-up window on your computer screen and sends an OTP to your mobile.
Enter your OTP in the window.
Your payment is authorised and your order is placed. It’s that simple!
►▼ How do I register my Visa card?
All Heritage Visa cards are registered. You will need to make sure we have your up to date mobile phone number, to allow us to send your OTP.
►▼ My spouse and I both have the same Visa account. How does Verified by Visa work for the two of us?
Verified by Visa still works for both of you. You’ll each need to ensure we have your mobile phone number loaded for each cardholder on your account.
►▼ What do I need to do to use Verified by Visa?
Have an active Visa card.
Have a registered mobile number.
►▼ I received a new Visa card. Do I need to do anything to register my new card?
No, as long as your mobile number is up to date, Verified by Visa will still work with your new card.
►▼ Where can I shop with Verified by Visa?
Look for the Verified by Visa mark on participating online stores or check our list of current participants on your local Visa website and on www.visa-asia.com/verified
►▼ How will the online store know that I have Verified by Visa?
Participating online stores will automatically recognise your Visa card number if you have registered it for Verified by Visa.
►▼ Does Verified by Visa work on my mobile and tablets?
Yes, the OTP entry screen is designed to work on mobile screens and tablets.
Use a secure web browser
Use a secure browser - look for an "s" after the "http" in the web page address or URL.
Keep your One Time Password secret
Never disclose your One Time Password and only enter your OTP into the pop-up box.
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.
Protect your card details
Only give your Visa card details when making purchases - 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.
* 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.