Verified by Visa makes online shopping more secure. It adds one more quick step to the process to make buying online a lot safer.
You’ll see this logo on the participating retailer’s website:
It’s free to use the Verified by Visa service.
No, all you need to do is make sure your mobile number is registered with us, because we may send you a one time passcode (OTP) to complete the online transaction.
The authorised user must also register their mobile number with us to use the Verified by Visa service.
OTP is a "one time passcode". It’s a random number we send to your mobile number registered with us. When you enter it, you are completing a more secure level of online card transaction.
When you use your credit card online and it needs to be verified, a Verified by Visa screen will appear. You will be asked for the last four digits of your mobile number. Then another screen will appear asking you to enter the OTP we sent you by text. When you enter your OTP, you are accepting our Verified by Visa Terms of Service.
The sender ID on the text message will be AIB. We will not ask you for account numbers or PIN numbers. We will only provide the OTP in the text message.
Here is a sample of the text we may send you. It will not identify you or your card:
AIB: For your Verified by Visa transaction at Amazon Digital for EUR 000000000, please use this One Time Code; 12345678 within 5 minutes. Thank you.
It’s temporary and designed to be used for one transaction, so it’s valid for five minutes.
In the event that you did not receive your OTP within 5 minutes, click on the "Send new one time passcode" link on the Verified by Visa screen and a new OTP will be sent.
You’ll have 3 attempts of clicking on the "Send new one time passcode" link, then the link will be disabled. If this occurs, please contact us at 1890 242428.
The registered mobile number is a mobile number which is linked to your credit card. We will show the last 4 digits of your mobile number on the Verified by Visa screen when we send you the OTP. If you do not have a valid mobile number registered with your credit card, please contact us at 1890 242428.
This confirms your mobile number and that we are sending the OTP to the correct mobile number.
No, if you use your card to make an online purchase with a retailer who uses the Verified by Visa service and authentication is required, you will be prompted to enter the OTP sent to you by text message.