Verified by Visa

About Verified by Visa

What is 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.

How does Verified by Visa work?
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.

What is the benefit of the Verified by Visa service to me?
The Verified by Visa service provides enhanced security and confidence for your online purchases. Even if your card is lost or stolen, purchases at online Verified by Visa merchants would be denied approval to protect your card against potential unauthorized transactions.

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

Is there any direct impact of the Verified by Visa service on me as a First Citizens Visa credit cardholder?

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 purchases at online merchants who subscribe for the Verified by Visa service from their bank.

What happens when (i) my First Citizens credit card expires, or (ii) my credit card limit changes or (iii) I receive a new card after my last card was either lost, stolen or compromised?

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.

What is the cost for the Verified by Visa service from First Citizens?
This service is free to all First Citizens Visa credit card customers.

Enrolling for Verified by Visa/ Security and Privacy

Why do I need to enroll for the Verified by Visa service?

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.

What and how many cards would be enrolled for the Verified by Visa service?
All of your First Citizens Visa credit cards would be enrolled for this service. There is no limit.

How does Verified by Visa protect me?
No enrollment, No Confirmation, No Purchase. You enjoy enhanced security and confidence for 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.

Shopping with Verified by Visa

Where can Verified by Visa service be of benefit to me?
The Verified by Visa service applies only to online merchants and therefore improves the security of your online shopping experience.

Do all online merchants use Verified by Visa?
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.

Can I purchase online at merchants who do not participate in the Verified by Visa service?
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.

Can I start shopping with my existing First Citizens Credit Card?
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.

What should I do if I am shopping online but a Transaction Denied window appears?

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.

What should I do if I still have questions regarding this service?
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.

Command	What it does
BAL	Retrieve balance for default account
BAL <Insert Nickname> For Example: BAL Sav1	Retrieve balance on a registered account using account nickname
BAL ALL	Retrieve balance for all registered account
HIST	Retrieve list of the 10 most recent transactions posted on default registered account
HIST <Insert Nickname> For Example: HIST Sav1	Retrieve list of the 10 most recent transactions posted on a registered account using a nickname
HIST d, from <date> to <date> For Example: HIST d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on default registered account with date range specified, (maximum of 10 transactions)
HIST <nickname> d, from <date> to <date> For Example: HIST Sav1 d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on a registered account using account nickname, within the date range specified,(maximum of 10 transactions)
HIST c, from <low cheque number > to <high cheque number> For Example: Hist c, from 200 to 205	Retrieve list of posted cheques on your default registered account, within the cheque range number range specified
HIST <nickname> c, from <low cheque number > to <high cheque number> For Example: Hist Chq1 c, from 200 to 205	Retrieve list of the posted cheques on your registered account, with a nickname, within the cheque number range specified
RTRA	Retrieve list of the 3 most recent posted transfers from your default registered account
RTRA <nickname> For Example: RTRA sav1	Retrieve a list of the 3 most recent posted transfers from your registered account with a nickname
RTRA ALL	Retrieve a list of the 3 most recent posted transfers from all your registered accounts
TRAN <nickname1> <nickname2> Amount For Example: tran ck1 ck2 100	Transfer amount between accounts using nicknames
TRAN <nickname1> <Amount> For Example: tran ck2 500	Transfer amount from the default registered account to the specified registered account using the nickname
TRAN <nickname1> <Amount> <Date> For Example: tran ck2 500 04-10-2020	Transfer amount from the default registered account to the specified registered account with the nickname, for a scheduled future date.
TRAN <nickname1> <nickname2> <Amount> <Date> For Example: tran sav1 ck1 500 04-10-2020	Transfer stated amount from a registered specified nicknamed account to a second registered nicknamed account, for a scheduled future date.
HELP BAL	Retrieve information on the format of the balance commands
HELP TRAN	Retrieve information on the format of the Transfer commands
HELP RTRA	Retrieve information on the format of the Recent Transfers commands
HELP HIST	Retrieve information on the format of the Account History commands
HELP	Retrieve information on the format of the Help command
STOP	Unsubscribe your mobile device from receiving First Citizens SMS Alert messages

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