Verified by Visa  
Frequently Asked Questions & Answers

Frequently Asked Questions & Answers


Q: What is Verified by Visa?

A: Verified by Visa is a service developed by The Saraswat Co-operative Bank Ltd and Visa to help ensure that only the cardholder is using his Visa card to shop online.


Q: Who can register for Verified by Visa?

A: Anyone with a VISA Debit Card of Saraswat Cooperative Bank Ltd.


Q: How does Verified by Visa work?

A: Once your card is activated with the Verified by Visa service, your card number will be recognized whenever you make an electronic payment. After you provide your card details online, you will be redirected to the Bank website and then required to specify your Verified by Visa authentication details. Your identity will be verified, and the transaction will be completed. Based on the authentication provided by the Bank, the transaction will be processed & you will get a confirmation.


Q: Why do we need Verified by Visa?

A: Verified by Visa adds an additional level of authentication for online card transactions ensuring that only you can use your visa card to shop online. Also there is added assurance that online merchants using the Verified by Visa security system are legitimate commercial entities.


Q: Is my personal information safe and secure?

A: Yes. Your information is transmitted using a high level of encryption and is stored on a secure server


Q: Does Verified by Visa cost me anything?

A: No. There are no additional charges associated with this service.


Questions About Registration


Q: How do I register for Verified by Visa?

A: Go to our Registration Page and enter the requested information to ensure that only you are able to use your Visa card online with participating merchants. It's an easy process.


Q: Why are you asking all these questions during registration?

A: We are safeguarding the use of The Saraswat Co-operative Bank Ltd Visa cards by their rightful owners. We must make sure, as best we can, that the owners of The Saraswat Co-operative Bank Ltd Visa card accounts are the ones actually registering their cards and signing up for Verified by Visa. Our two-step process verifies the identity of cardholder registrants for Verified by Visa, and provides system-wide confidence to everyone participating in this service, including merchants and banks.


Q: Do I have to register each time I do an online internet based transaction?

A: No, registration is a one time activity for a particular card. Once a card is registered, for all subsequent transactions, only the password needs to be provided to authenticate the transaction.


Q: Do I have to register for all my cards separately?

A: Registration needs to be done for all cards separately.


Q: If I am issued a new card is there a need for Verified by Visa registration?

A: Yes. You will need to register your new card separately.


Q: What is the card verification code (CVV) ?

A: A card verification code is a 3 digit number, usually on the back of your Visa card just after the account number, that uniquely identifies the card issued to a cardholder. This is another measure to safeguard your card. Visa can match the card verification code against its own records to help verify that the person trying to register for the service is in physical possession of the card, and likely to be the rightful owner of the card.


Q: What is a Personal Assurance Message?

A: The Personal Assurance Message is created by you during the registration process, and will be displayed back to you when you are prompted for your password during Verified by Visa password verification at checkout. The Personal Assurance Message was designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing Internet users in order to gain access to personal financial information. So when the Verified by Visa password window prompt includes your Personal Assurance Message, that gives you more assurance that it is actually Verified by Visa asking you for your password, and not someone else masquerading as Verified by Visa.


Q: For how long is the password valid?

A: There is no date for password expiry. The password is valid till such time as you change it on the The Saraswat Co-operative Bank Ltd site.


Q: How do I change the password?

A: You can go to the "Welcome" tab on the "Register Now for Verified by Visa" and change the password


Q: What if I forget the password ?

A: Click on forgot your password tab on the Registration Page and reset the same


Questions About Shopping with Verified by Visa


Q: How do I shop with Verified by Visa?

A: Once you have registered, the service will automatically work at any of our participating merchants.


Q: Where can I shop using Verified by Visa?

A: You can shop online at all Verified by Visa participating merchants. Look out for the VBV logo on the merchant website at the time of making the payment.


Q: I am not an Internet expert. How easy is Verified by Visa to use?

A: Verified by Visa is so easy to use, you'll barely know it's there. Just complete the registration process by verifying your identity and shop! We're here to make shopping in the virtual world as easy and convenient as possible - just as we help you in the physical world.


Q: What browser do I need to use for Verified by Visa?

A: Verified by Visa requires Microsoft Internet Explorer version 4.0 and above, Netscape Navigator 4.0 and above, or AOL 4.0 or Mozilla or Firefox and above.


Q: Can I use Verified by Visa from a different computer than the one where I signed up?

A: Yes. That's one of the advantages of Verified by Visa! You can make purchases at any computer.


Q: What happens when I finish shopping?

A: When you are finished shopping, proceed to your merchant's checkout page. As the transaction is completed, you will be asked to enter your personal password.