Verified by Visa

Verified by Visa is a system used by Visa as an added layer of security for online credit card transactions. The same system is used by Master Card under the name SecureCode.

"Verified by Visa" and "SecureCode" both are being introduced in conjunction with EMV as a means of shifting responsibility for fraud away from the credit card companies and also introducing more secure transactions, where the party not implementing the technology in question is held responsible for money lost due to fraud.

A transaction using Verified by Visa will require the user to visit the website of the bank that issued the card to authorise the transaction using a user-chosen password or, more securely, a one-time password. The bank's web page will often load in a pop-up window or an inline frame. In this way, the bank's systems can be held responsible for most security breaches.