• Face-to-face sales

• Recognising valid cards
• Card handling procedures

• Card-not-present sales

• Card-not-present security
• E-commerce
• Mobile commerce
• Mail Order and Telephone Order
• Making payments to Visa cards
• Recurring payments

Card-not-present security

Fraud can be a concern when you cannot see either the card or the cardholder, but Visa’s cardholder verification services can protect you.

Our three security solutions are:

• Card security code
  The three-digit security code on the reverse of every Visa card.
  
  
• Verified by Visa
  Our password-protected system especially for countering online fraud, verifying the legitimacy of both parties in a transaction.
  
  
• Address Verification Service (AVS)
  Verifies a customer’s billing address. This is currently only used by merchants in the UK.

The future of card-not-present security

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.

Dynamic passcode authentication is Visa’s solution that uses the added security of chip cards to offer better protection against online fraud. It validates the cardholder’s identity and physical presence of their card via a pocket-sized card reader provided by their bank.

This is a new solution, and from the end of 2006 various banks across Europe will start running pilot schemes. Further updates will be published on these pages.

Dynamic passcode authentication (PDF format, 1.3 mB)

More information

Contact your acquiring bank for more advice on the security features protecting you against fraud during card-not-present sales.