Verified By Visa

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?

 How does Verified By Visa work?

 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?

 What do I need to do to use Verified by Visa?

 I received a new Visa card. Do I need to do anything to register my new card?

 Where can I shop with Verified by Visa?

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

 Does Verified by Visa work on my mobile and tablets?

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 One Time Password secret
    Never disclose your One Time Password and only enter your OTP into the pop-up box.
  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.

* 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.