Visa Secure

Advanced security to help you shop online with confidence and peace of mind.

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Protecting you is our top priority

We partner with Visa so you can enjoy online shopping as secure, fast and convenient as purchases you make in a store. With over 60 years of payments expertise, Visa works with merchants and issuers to deliver a seamless customer experience that protects you—however you purchase, wherever you are.

Shop online with confidence

Whether you are using a desktop, mobile or other digital device, Visa has a service through participating merchant sites that provides an additional layer of protection when shopping online. This service helps your issuer know you are really you and most importantly, it protects you from fraud.

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When shopping online at participating merchant sites with your Visa card, you get:

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Fraud protection

Benefit from an added layer of protection that prevents the unauthorized use of your card when shopping online.

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User friendly

Experience simple and secure authentication if and when you are asked to verify your identity.

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Accepted globally

Shop safely across participating online merchants and issuers worldwide—without the need to download software or register an account.

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Zero liability*

Enjoy peace of mind knowing that you’re protected from unauthorized charges when your Visa card is lost, stolen or fraudulently used, online or offline.


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.

No, your current card will work just fine, because UMe is part of the Visa Secure program. We want to make sure that our members can shop hassle-free and fraud-free.

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.

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.

UMe 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.

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.

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.

How it works

When you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase at participating merchant sites.

There’s no need to download anything, install software or register. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity.

Watch the demo to see seamless authentication in action

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Secure your purchases

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*Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.