What is 3-D Secure?
3-D Secure offers maximum protection when you use your card for online shopping.
Once you register your card in the service you will be asked to create your own password. Every time you shop online you will be prompted to provide your password as part of the checkout process.
If you have already registered you can log in to review and update your profile information as well as view your latest online transactions.
Your bank has enrolled your card in Verified by Visa so that wherever you see Verified by Visa online, your card number will automatically be recognized during checkout, and your bank will be contacted to confirm your identity as the genuine cardholder.
If you have not yet activated your card, you will be prompted to enter information that your bank will use to confirm your identity. Your information will be validated by your bank immediately and then you will be prompted to create a password to activate the service. Once activated, your Visa card number cannot be used without your personal password for online purchases with online retailers participating in Visa.
If you have already activated your card, after you enter your card number during checkout and submit your order, a Verified by Visa window will appear and your bank will display an authentication page. Enter your password and click submit. Once your identity is verified by your bank, your checkout continues.
If you have forgotten your password, just click the "Forgot your password" link in the authentication window and follow the instructions provided by your bank. Always be sure to keep your password safe and never write it down. If you ever suspect that a fraudulent purchase has been made using your Visa account, contact your Visa card issuer immediately.
Your Personal Message, selected during activation, appears automatically in the Verified by Visa authentication screen during checkout. It's an extra piece of validation to assure you that this is, indeed, an authentic Verified by Visa window and that it's safe to enter your password here. You should always check to see that your Personal Message appears correctly.
Verified by Visa is a unique service offered by Visa International that uses a personal password to protect cardholders against unauthorised use. Once activated, your Visa Card number cannot be used for online purchases at participating merchants without your personal password.
Verified by Visa is designed to give you an extra level of protection against unauthorised card use when making online purchases at participating merchants with your International Debit/Credit card.
Verified by Visa protects you against unauthorized online transactions as you will be required to enter a personal password before you can complete the online transaction. This additional authorization step ensures that only you as the cardholder will have the password required to complete the transaction.
No, you will be asked to enter the personal password only if the merchant is registered for Verified by VISA (VBV) authentication. VBV is usually indicated by the following image on the merchants' websites.
For websites that have not enabled VBV you will not be required to enter your Personal Password for authentication.
Yes, registration is required to utilize the VBV Authentication Service.
No, all you need to do is register your International Credit/Debit card then, whenever you shop at a participating online store a Verified by Visa window will appear.
To register, you are required to complete the 4-step registration process below:-
Step 1: Select "Register". You will be prompted to enter your Issuing Bank's card information.
Step 2: You are required to validate specific account details, including a Personal message.
Step 3: Choose 5 Challenge questions and provide the appropriate answers
Step 4: Create your login credentials and agree to Terms of the Service
Once you have registered for the service, you may proceed to shop online at any Verified by Visa enabled merchant. Please note the following:-
1. At check out, proceed to the payment page as per normal.
2. You will then be presented with a pop-up window that will list the details of your transaction and a request to provide your personal password.
3. Enter your password. Once the password is accepted, your transaction will proceed as it always has.
No, the Personal Password is mandatory for authentication at websites that accept International Debit/Credit VISA cards and supports the Verified by VISA protocol.
Should the wrong Personal Password be entered three times successively, the session will be blocked.
a. Your password must be between 8 and 16 characters
b. Password must contain at least one uppercase letter, one lowercase letter, one number and one of the following special characters !@#$%^&*()
Please create a password that you will be able to remember for online shopping in the future.
When you shop online at a participating Verified by Visa merchant, you will be asked to supply your password during the checkout process. Before entering your password always look for your Personal message on the screen. That way you can be sure you that your Verified by Visa session is genuine.
You can register any of your existing International Visa Credit/Debit card or any new International Visa Credit/Debit card you receive in the future.
Yes, you may activate multiple International Credit/Debit card as long as you are the primary cardholder.
You will use the Verified by Visa personal password when shopping online at participating merchants.
Once your existing card expires, you are issued with a renewal card on which your Verified by Visa details have automatically been updated. You do not need to re-activate Verified by Visa on your renewed card.
You will need to re-activate Verified by Visa on the newly issued card.
For more information please feel free to contact Caribbean Credit Card Corporation Ltd. Customer Service is available 24 hours a day, 7 days a week as follows:-
Toll Free at 800 300 1715 from the USA
Direct at 869 465 3700 for assistance.
Caribbean Credit Card Corporation Ltd. Basseterre, St. Kitts
Terms and Conditions for 3-D Secure provided by Caribbean Credit Card Corporation Ltd.("the Service Provider")
These terms (the "Terms") regulates the 3D Secure service (Verified by Visa ("VbV") for Visa cards and MasterCard® SecureCode™ ("MCSC") for MasterCard® cards) implemented for your Card Issuer's credit and debit card/s through its service provider Caribbean Credit Card Corporation Ltd. Please read this Terms of Service Agreement carefully before using 3-D Secure. In this Agreement, "Issuer" refers to the financial institution that issued your Debit/Credit card; "we," "us," and "our" refer to Issuer and its suppliers of card processing services; "you," "your," or "yours" refers to the Visa/MasterCard cardholder using 3-D Secure and "card" refers to the Visa/MasterCard Credit/Debit Card issued by your Financial Institution that you have registered to use with the 3-D Secure service in accordance with this Agreement.
This Terms of Service Agreement supplements and is incorporated in the Issuer's cardholder agreement(s) with you ("Cardholder Agreement"). In addition to this Terms of Service Agreement, 3-D Secure also is subject to the Cardholder Agreement governing the card transactions for which 3-D Secure is used.
1. ACCEPTANCE OF TERMS
a. 3-D Secure provides its service to you, subject to the following Terms of Service ("TOS") and the Cardholder Agreement governing the card transactions for which 3-D Secure is used. The TOS may be updated by us from time to time without notice to you. Use of the service constitutes your acceptance of the terms. In addition, when using 3-D Secure, you shall be subject to any guidelines or rules applicable to 3-D Secure that may be posted from time to time at the same website.
b. You agree that creation of a 3-D Secure account password, and/or use of 3-D Secure, will represent your acceptance of this TOS, and that continued use of 3-D Secure after revisions to this TOS shall constitute your agreement to such revised terms and any applicable posted guidelines or rules.
c. Unless explicitly stated otherwise, any new features that augment or otherwise change 3-D Secure shall be subject to this TOS.
d. The Issuer reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, 3-D Secure (or any part thereof) with or without notice.
2. DESCRIPTION OF 3-D Secure
3-D Secure provides you with a way of increasing security in online and other transactions for which 3-D Secure is used, by reducing the chances of fraud for those transactions. Registering for 3-D Secure involves providing personal information to us, which is then used to confirm your identity in connection with future online transactions or other transactions for which 3-D Secure is used, as discussed in more detail in Section 5 below. 3-D Secure also may be used for record keeping and reporting purposes, as well as to help resolve any transaction disputes. Your Registration Data, as defined in Section 3(b), and other personal information is not shared with the merchant, as discussed in more detail in Section 6 below.
3. YOUR REGISTRATION OBLIGATIONS
You agree to (i) provide true, accurate, current and complete information about yourself as prompted by the 3-D Secure registration form ("Registration Data"), and (ii) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any Registration Data that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that your Registration Data is untrue, inaccurate, not current or incomplete, we have the right to suspend, terminate, or refuse your current or future use of 3-D Secure or your card account.
In order to use 3-D Secure, you must provide certain information to us that allow us to validate your identity and verify that you are the owner or an authorized user of the specified Card. The information that you provide may be validated against information we already have on file that is associated with you and your Card. Once we validate your identity as part of the 3-D Secure registration process, you will be permitted to create your Password.
a. If you are unable to provide adequate information for us to validate your identity, we have the right to not allow you to register for 3-D Secure. You warrant that the information is correct and that you have the legal right to use the Card that you register for 3-D Secure.
b. If you do not successfully register for 3-D Secure, or if you choose not to register for 3-D Secure, we and/or the merchant may not accept the Card to pay for an e-commerce or other transaction subject to 3-D Secure.
c. In order to use 3-D Secure, you must have the ability to access the World Wide Web and must pay any service fees associated with such access. In addition, you must have the equipment necessary to make such a connection to the World Wide Web, including a computer and modem or other access device.
d. In the event you have a question regarding the 3-D Secure registration process or a transaction using 3-D Secure, you should direct that question to Issuer's customer service department.
a. When engaging in an online transaction or other transaction for which 3-D Secure is used, you may be asked for your Password before the merchant accepts the Card to pay for the transaction. If you are unable to provide your Password or other required information, or if the authentication through 3-D Secure otherwise fails, we and/or the merchant may not accept the Card to pay for that transaction.
b. By registering in 3-D Secure, you agree to the use of 3-D Secure to evidence your identity, including for purposes of transactions on you card account and authorization of recurring pre-authorized transactions on your Card account.
6. CARDHOLDER PASSWORD AND SECURITY
1. You are solely responsible for maintaining the confidentiality of your password, Registration Data and other verification information established by you with 3-D Secure, and all activities that occur using your password, Registration Data or other verification information supplied to or established by you with 3-D Secure. You agree not to transfer or sell your use of, or access to, 3-D Secure to any third party. You agree to immediately notify us of any unauthorized use of your password or other verification information, or any other breach of security. You acknowledge and agree that, except as otherwise provided by Applicable Law or in the Cardholder Agreement. We shall not be liable for any loss or damage arising from your failure to comply with this Agreement.
2. The Password is a personal identification code under the terms of the Cardholder Agreement and the terms of the Cardholder Agreement apply to the Password. You are responsible for the care and control of the Password. You must maintain it safely at all times which includes:
a. Keep the Password separate from the Card;
b. keep the Password strictly confidential;
c. take all reasonable precautions to ensure that no one finds out the Password including while you key-in the Password at a computer or other machine;
d. avoid such Password combinations that may be easily determined by others, such as birthdays, phone numbers, age, Social Insurance Number, etc.;
e. ensure that your Password is unique; and
f. contact us immediately if your Card is lost or stolen or if the Password becomes known to an unauthorized person.
Your Card and Password are reserved strictly for your own use. If they are used by someone else, you will be required to prove that you took all reasonable precautions to protect these items. With respect to consumer credit cards and business credit cards, we may also permit primary cardholders and authorized users or primary cardholders and additional cardholders, respectively (as applicable) to register for and use 3-D Secure including conducting transactions without notice to other cardholders on the applicable credit card account.
7. PRIVACY OF REGISTRATION DATA
Registration Data and other personal information about you is subject to your Issuers Privacy Agreement section of the Cardholder Agreement. You authorize us to collect and use information about you when you register for 3-D Secure and when you conduct transactions using 3-D Secure in order to verify your identity and authorize transactions. Your Registration Data will not be shared with online retail merchants or merchants in other transactions for which 3-D Secure is used.
8. YOUR CONDUCT
1. You agree not to:
a. impersonate any person or entity using 3-D Secure
b. upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment used by 3-D Secure;
c. spam or flood the 3-D Secure Website or service;
d. modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of the 3-D Secure Website or service or the software used in connection with 3-D Secure;
e. remove any copyright, trademark, or other proprietary rights notices contained in 3-D Secure
f. "frame" or "mirror" any part of the 3-D Secure Website or service without Visa's/Mastercard's prior written authorization;
g. use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of the 3-D Secure Website or service or its contents;
h. otherwise interfere with, or disrupt, 3-D Secure or servers or networks connected to 3-D Secure, or violate this TOS or any requirements, procedures, policies or regulations of 3-D Secure or of any networks connected to 3-D Secure; or
i. Intentionally or unintentionally violate any applicable local, state, national or international statute, regulation, regulatory guideline or judicial or administrative interpretation, or any rule or requirement established by Visa/MasterCard (all of which shall constitute "Applicable Law") in connection with your use of 3-D Secure.
a. You agree that we will not be liable to you or to any third party for any modification, suspension or discontinuance of 3-D Secure.
b. Under no circumstances will we be liable for consequential, incidental, special or indirect losses or other damages, such as any damage to your computer or telephone service resulting from your use of 3-D Secure.
c. We assume no responsibility for, and will not be liable for, any damages to, or any viruses which may affect, your computer equipment or other property on account of your access to, use of, or downloading from this web site.
a. If you want to end your ability to use 3-D Secure, you must call the Issuer's 3-D Secure Customer Service department so that your password and Registration Data with 3-D Secure can be deactivated. Any purchases you made using 3-D Secure prior to deactivation will not be affected.
b. We may temporarily or permanently deactivate your ability to use 3-D Secure and terminate your relationship with us at any time, with or without fault on your part. For your protection, we may automatically deactivate your ability to use 3-D Secure if it is not used at least one time during any twelve (12) month period. If we deactivate your ability to use 3-D Secure, we may give you notice at the most current e-mail address you have provided to us as reflected in our records. We will also automatically deactivate your ability to use 3-D Secure if the Cardholder Agreement ends or if your Card is cancelled.
11. DEALINGS WITH MERCHANTS
Your correspondence or business dealings with, or participation in promotions of, online retail or other merchants on or through 3-D Secure, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such merchant. You agree that, except as otherwise provided by Applicable Law or in the Issuer's Card member Agreement with you, we will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. You understand that use of 3-D Secure does not, in any way, indicate that we recommend or endorse any merchant, regardless of whether the merchant participates in 3-D Secure. For example, 3-D Secure does not verify the identity of the merchant or the quality of the merchant's goods or services.
12. DISCLAIMER OF WARRANTIES
a. You expressly understand and agree that any software obtained through the use of 3-D Secure is downloaded and used at your own discretion and risk and that except as otherwise provided in this TOS Agreement, you will be solely responsible for any damage to your computer system or loss of data that results from the download or use of any such software or other materials through 3-D Secure.
b. EXCEPT AS OTHERWISE REQUIRED BY ANY APPLICABLE STATE LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT 3-D Secure OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
Notices to you may be made in accordance with the terms of the Cardholder Agreement. You also may be notified of changes to this Agreement or other matters either by notices displayed on or links to notices displayed on the website or via email or regular mail to the address that you have provided to us in connection with your cards issued by us.
14. AGE AND RESPONSIBILITY
You represent that you are of sufficient legal age to use 3-D Secure and to create binding legal obligations for any liability you may incur as a result of the use of 3-D Secure. Except as otherwise provided by Applicable Law or in our Card member Agreement with you, you understand that you are financially responsible for all uses of 3-D Secure by you and those authorized by you to use your Registration Data, your password or other verification information.
If you have any questions about 3-D Secure the toll-free number to call is
or you may call customer support direct at telephone number:
Visa and MasterCard secure systems are key brand identities of the 3-D Secure Cardholder Authentication Scheme. 3-D Secure systems recreate the high level of security of a physical payment environment by requesting further payment authentication. The objective is to provide a safe and secure online payment experience using a password that is validated by the card issuer and further checked by all other parties involved in the transaction process. The Visa program is branded Verified by Visa and the MasterCard program is branded MasterCard Secure Code.
3D Secure is offered by your Issuing Bank to help guard your International Credit/Debit Card against unauthorised use online. 3D Secure works by using a password that you create as your unique online identifier. You then use your 3D Secure Password to validate online transactions with participating online retailers. This helps to protect you from unauthorised use when shopping online.
How does 3D Secure Work?
When you purchase online, 3D Secure issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal 3D Secure Password and click 'Submit' to proceed with the purchase. Without your 3D Secure Password, the purchase cannot take place.
How does 3D Secure protect me?
Since your card is protected by your 3D Secure Password, only you can use your credit card online. This makes spending online more secure. Without your 3D Secure password, the purchase cannot take place.
Through a personal assurance message displayed on the screen, the authenticity of the page requesting your authentication is assured. We suggest you to keep changing your 3D Secure PIN at regular intervals for increased safety.