For your customers:
To offer your online customers the VbV service, you'll need to integrate a Merchant Plug-In (MPI) module into your shopping cart/payment site.
Obtaining the MPI module will depend on the method you use for processing online Visa card transactions. We encourage you to talk with your Acquirer/Payment Processor for more details on your VbV implementation options.
The costs associated with implementing VbV will depend on the method you use to process online Visa card transactions. Contact your Acquirer/Payment Processor for more information.
No. There is no cost for cardholders to obtain and use a VbV password for their Visa cards.
Visa cardholders who have registered a password with VbV are prompted to enter it when shopping online at a VbV-enabled merchant. The password is then verified by their Visa card issuer.
At check-out, the cardholder may be presented with the option to register a VbV password with their Visa card issuer. Alternately the merchant may decide to allow the transaction to proceed without the VbV cardholder authentication service.
Because VbV is a global service, you will continue to benefit from the advanced security, regardless of where your customers live.
VbV is designed to help protect merchants from "fraudulent purchaser" disputes and chargebacks. However, merchants can still receive chargebacks for other reasons. (e.g., Incorrect transaction amount or product not received.)
As a VbV-enabled merchant, you should display the VbV Merchant Mark on your home page as well as on your payment page, in accordance with the terms and conditions of the VbV Trademark License Agreement.
Click here to access and download the VbV Merchant Mark. Be sure to read the VbV Trademark License Agreement.
Without VbV, you will not be protected against "fraudulent purchaser" disputes and chargebacks.
VbV only works for Visa online payment authentication.
A multi-layered approach to online security reduces the risk of a fraudulent transaction. VbV helps to provide you with protection from "fraudulent purchaser" disputes and chargebacks. While this type of dispute generates the majority of chargebacks for online merchants, other fraud detection tools are still valuable and should be maintained. To further reduce risk, we recommend you continue to use the other tools you've already implemented.