• Visa payWave

• The benefits of chip and PIN

• The future of chip

• Support for vendors

• Useful links

• V PAY

• Dynamic passcode authentication

• Visa Money Transfer

Dynamic passcode authentication

Chip and PIN cards have introduced a higher level of security to our face-to-face transactions. The industry is now looking at ways of using chip’s security features in the card-not-present environment.

Visa has developed a solution that uses the added security of chip cards to offer better protection against online fraud – it’s called dynamic passcode authentication.

This new solution enables a cardholder to validate both their identity and the physical presence of their Visa card via a pocket-sized card reader.

From the end of 2006, various banks across Europe will start running pilot schemes. Further updates on dynamic passcode authentication will be published on these pages.

See how it works

Dynamic passcode e-commerce demo (Flash format, 0.58MB)

Dynamic passcode e-commerce demo (using challenge & response) (Flash format, 0.57MB)

Dynamic passcode telephone order demo (Flash format, 1.15MB)

Dynamic passcode telephone order demo (using challenge & response) (Flash format, 1.66MB)

Further information

Dynamic passcode authentication, overview guide (PDF format, 0.34MB)

Case study: Visa and PostFinance (PDF format, 0.12MB) – find out how PostFinance leads the way in implementing dynamic passcode authentication, with three million cards in issue.