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When you complete your payment with Verified by Visa, your bank is able to make additional security checks to ensure your card details have not been compromised.Your bank wants to make sure that it’s really you making the purchase before they authorise the payment.

If your bank and the retailer offer Verified by Visa, this is a great time to get you involved, too.If you don’t notice the Verified by Visa message box appearing but instead see a revolving wheel, all the security associated with Verified by Visa is still happening but in the background. Your bank is verifying your purchase by making background checks to see that everything is as it should be.The main thing is that when you pay by Visa, you’re protected. It accounts for only around 0.04% of total spend on Visa cards in Europe. Keeping your financial data secure and your personal information private is a priority for Visa but if you do experience problems then it’s helpful to know what to do if things go wrong.If you cannot resolve the problem direct with the retailer, contact your bank or card issuer.As you paid with a Visa card, you have certain rights.

Yes, you will see this happen more often as many banks are updating their technology to include background checks behind the scenes. If the Verified by Visa message box pops up on screen after you’ve entered your Visa card details, there will probably be a ‘forgotten password’ option.

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