Visa® SecureVisa Secure logo

Online shopping secured with Visa

Vancouver WA | Battle Ground WA
Clark County | Cowlitz County | Skamania County

 

People's offers comprehensive fraud protection, Visa® Secure goes a step further, adding an extra layer of security at the point where you enter credit card information online. The service helps prevent unauthorized online use before it happens.

While using a new device or making a large purchase at a participating merchant site using your Visa® card, the Visa® Secure service may launch. After you enter your Visa® card number and submit your order, a Visa® Secure window will appear where you’ll be asked questions verifying your identity. However, if you don’t get prompted with an additional check, this likely means the security check is happening in the background. You may see a symbol on your screen as this is happening.

For merchants that do not participate in Visa® Secure, transactions will process as normal.

 

Visa® Secure Debit card

Visa® Secure credit card

Can I use Visa® Secure with any Visa® card I have now?
Yes, Visa® Secure is designed to protect the Visa® card, or cards, that you already have – whether they are credit cards or debit cards.

Do I have to register my Visa® card for Visa® Secure?
Yes, if you live in the United States and want to purchase online from a participating Visa® Secure merchant.

Do I need a new Visa card to use Visa® Secure?
No. Your current Visa card will work, as long as the financial institution that issues your card is part of this Visa Secure program. Please visit your issuer’s website for more information.

Is there a charge for using Visa® Secure?
No, there is no cost for using Visa® Secure.

What is the benefit of Visa® Secure?
Visa® Secure provides an added layer of protection to help prevent unauthorized use of your Visa® card while you’re shopping online. It helps confirm your identity and more importantly protects you from fraud.

When I see the Visa® Secure badge, what does this mean? How are my online purchases secured with Visa®?
Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card. There’s no need to download anything or install software. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps ensure you’re you and better protects you from fraud.

Can I use both credit cards and debit cards with Visa® Secure?
Yes. This service was designed for both Visa credit and debit cards when shopping online. When you use your Visa debit card, your online transaction experience will be similar to a credit transaction—no need to enter your PIN.

How will I know if my online purchase has this added layer of protection?
This service automatically works at checkout with participating merchants. Remember, there is no need to download anything or install software to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you’re you and protect you from fraud.

What happens when I finish shopping?
As you complete the transaction, you may be prompted to verify your identity if additional authentication is required. It’s important to take special precautions when shopping online. This extra verification step helps ensure the person using your card is you.

If I do encounter this extra verification step, what will the extra check be?
People's has a number of tools that can help verify your identity, such as a one-time passcode. If you encounter this extra step, simply follow the instructions on your screen to verify your identity.

Can I choose my own password?
Absolutely. When enrolling your cards in Visa® Secure, you will be able to choose your password, a password hint so you don’t forget your password and a personal message to be shown when you are completing an Internet purchase.

I see the Visa® logo when I’m going through the extra check. What’s this about?
If you do encounter this extra verification step, Visa helps route information to the credit union so we can verify your identity. The Visa logo is there to give you peace of mind that the transmission is secure and reliable.

I used to see Verified by Visa® on your website. Is this service different?
No. Although the Verified by Visa name is no longer in use, the same technology is in place to help protect you. In fact, this service was recently enhanced to make transactions more secure and the user experience more seamless.