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Visa Secure - Prevent, Detect & Resolve Fraud

“I totally love having my financial information stolen and used for fraud!”...said no one ever. Fraud is a big deal, and not at all as easy to deal with as the movies portray. That’s why we offer Visa Secure, just another one of the ways we prevent, detect, and resolve fraud because U matter to Me.

This free and simple-to-use security feature from Visa confirms your identity with an extra password for online purchases. It’s the icing on the fraud prevention cake – the UMe way.

What is Visa Secure?

That’s easy: Visa Secure is an online shopping layer of protection that keeps your Visa card as secure as possible in order to prevent fraud. This service adds an extra layer of security at the point where you enter credit card information online, working to prevent unauthorized online use before it happens.

Spending securely is priceless. Now that’s a great deal.

How does Visa Secure work?

Visa Secure will confirm your identity every time you make an online purchase with your UMe Visa at participating retailers. In short, Visa Secure makes sure that it’s the real you shopping online.

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.

You’re just three simple steps away from securing your purchases:

  1. Activate the Visa Secure feature. It's easy and only takes a few minutes to activate this feature for your card. You can do it right this moment on the secure Visa site, or you’ll be asked during checkout online through a participating merchant. Either way, we have your back: Activate now!
  2. Shop at participating online merchants. When you submit an order at a participating online store, a Visa Secure window will appear automatically. Enter your password, hit submit, and – before you know it – you're done! If your Visa card isn’t activated yet, just enter the authentication information when prompted and create a password.
  3. Enjoy enhanced security. Just like that, you’re protected! Look for the Visa Secure symbol (), and you'll know where you can shop online with extra security.

Frequently Asked Questions About Visa Secure

How are my purchases secured with Visa?

Visa Secure technology works behind the scenes of participating online retailers to verify your identity with every purchase. If you’re using a new device or are spending more than usual, you may be asked to provide more information (such as a one-time passcode) to make sure it’s really you!

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 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. 

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.

Can I use both credit cards and debit cards with Visa Secure?

Absolutely! 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?

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.

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.

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