Verified by Visa

Verified by Visa is a service offered by First Citizens to our Visa credit cardholders which strengthens the security of and confidence in online shopping with your First Citizens credit card.

The Verified by Visa service strengthens the security of your First Citizens online shopping experience by capturing key data elements during your online shopping. This information is then utilized to analyse and trend customer behaviour to authenticate your online purchase.

The Verified by Visa service provides enhanced security and confidence for your online purchases. Even if your card is lost or stolen, purchases online Verified by Visa merchants would be denied approval to protect your card against potentially unauthorized transactions.

No Hassle, No inconvenience. No Enrolment – No Confirmation – No Purchase. Only Peace of Mind. And it is FREE of charge.

First Citizens Visa cardholders would be automatically enrolled for the service when you complete an online transaction, therefore you will no longer be prompted to register for this service before completing a purchase at online merchants who subscribe for the Verified by Visa service from their bank.

• In situation (i) your transaction would be declined however,
• In situation (ii) and (iii) you would not be required to take any action. You can proceed with your online shopping.

This service is free to all First Citizens Visa credit card customers.

• All cardholders are automatically enrolled for the service upon completion of an online transaction. Enrollment into this service strengthens the security of your online transactions at 3D Secure Merchants.
• Enrollment is completed per card.

All of your First Citizens Visa credit cards would be enrolled for this service. There is no limit.

No enrollment, No Confirmation, No Purchase. You enjoy enhanced security and confidence in your online purchases. Even if your card is lost or stolen, once enrolled for Verified by Visa, purchases which are not in line with customer behaviours at online Verified by Visa merchants would be declined.

The Verified by Visa service applies only to online merchants and therefore improves the security of your online shopping experience.

No. Only participating Verified by Visa merchants will display (i) the Verified by Visa logo.
NB. An online merchant can offer the Verified by Visa service only if his/her bank offers the service to their merchants.
If the merchant does not use the Verified by Visa service, then the Verified by Visa logo will not be displayed.

Yes, you can. If the online merchant does not use the Verified by Visa service, then the purchase order will be authorized by the bank once you click the “Place Order” button.
There will be no display of the Verified by Visa logo on the payment page.

Yes. You can shop immediately as all existing cardholders are automatically enrolled for this service upon completion of an online transaction, no waiting period is necessary. If you just received a new credit card, the same applies.

• Verify that you are using your First Citizens Visa credit card that is enrolled for the Verified by Visa service.
• Verify that the merchant is a participating Verified by Visa merchant by looking for the Verified by Visa logo on the payment page.
• If no logo appears, then it is ok; there should be no request for authentication, as the merchant is not registered for the service.
• If the issue persists, contact First Citizens at 62-FIRST/ 623-4778, Option 3 and then Option 2 for assistance.

If you have questions or need assistance, you can contact us at 62-FIRST/ 623-4778, 24/7.

Simply dial 62-FIRST, choose Option 3 and then Option 2.