visa-3d-secure

Visa 3D-Secure

Protecting you is our top priority. One way we do this is by preventing the unauthorized use of your card. During a purchase from a desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud. As a Banesco USA Visa® Debit Card holder, your online transactions are secured with Visa. Visa recently enhanced its security for online purchases making the experience more seamless and easier while protecting you from fraud. Learn more about how it works at Visa’s Website.

Frequently Asked Questions

How are my online purchases secured with Visa?
Visa has developed a program that helps confirm your identity when you make an online purchase. There’s no need to download anything, install software, or register your account. During an online purchase from your desktop, mobile, or other digital devices, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud. This is one way, Banesco USA and Visa have teamed up to secure your account(s).

What is the benefit?
Through this program, you have an added layer of protection that helps prevent the unauthorized use of your Banesco USA Visa® Debit Card while shopping online. This service helps us know you’re really you and most importantly it protects you from fraud.

Is my personal information safe and secure?
Yes. Your information is safe and stored on a secure server.

Does this service cost me anything?
No. There are no costs associated with this service.

How will I know if my online purchase has this added layer of protection?
This service will automatically work at checkout at any of Visa’s participating online merchants. Remember, there’s no need to download anything, install software, or register for an account 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.

How can I identify participating online merchants?
If you see the following Visa Secure badge on participating online merchants’ websites this also indicates the use of this service.

Visa Secure

Can I still use my Banesco USA Visa® Debit Card at online merchants that are not participating in this program?
Yes, your Banesco USA Visa® Debit Card will continue to work as usual if the merchant is not participating in this program. Your transaction will still be protected by multiple layers of security and zero liability for fraudulent purchases.

What happens when I finish shopping?
When you are finished shopping, proceed to the merchant’s checkout page. 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.
You can also contact our Client Care Center at:

If I do encounter this extra verification step, what will the extra check be?
Banesco USA has a number of tools that can help verify your identity such as one-time passcode. If you encounter this extra step, simply follow the instructions on your screen to verify your identity or simply contact our Client Care Center at:

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 transmit the information being shared between the merchant and us. The logo is there to give you peace of mind that the transmission is secure.

Lastly, if you see the following Visa Secure badge on participating online merchants’ websites this also indicates the use of this service.

Visa Secure

The information provided by Banesco USA ("we," "us," or "our'') is for general informational purposes only and is not intended as legal, tax, investment, financial or other advice or a substitute for professional advice. The information is general in nature and does not address the circumstances of any particular individual or entity, and is not comprehensive or a complete statement of the matters discussed herein. All information contained herein is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information provided herein. The information provided may contain information from third parties or other sources. We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third parties. Under no circumstances shall we have any liability to you for any loss or damages of any kind incurred as a result of the use of or reliance on any information provided herein. Your use and reliance on any information provided herein is solely at your own risk.
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