VbV is a free service from Visa in association with The Co-operative Bank. It offers enhanced security when making online transactions, adding protection with the use of a personal passcode.
VbV is straightforward and easy to use. The card holder registers a passcode which is used to validate and confirm online purchases made with participating retailers.
To ensure you have added protection against online card fraud a VbV passcode must be registered. If a VbV passcode is not registered, the online transaction may not be authorised.
General VbV Enquiries
I have not been prompted to register a VbV passcode. Why could this be?
Our phased approach to rollout means that you may not initially be prompted to register a passcode. If you are finding that after making numerous online purchases at participating retailers you have not received a prompt to register please contact us.
Corporate account customers can contact us on 03457 654 654^. (Available 8am-5pm Mon-Fri) Business account customers can contact us on 03457 213 213^. (Available 8am-8pm, Mon-Fri and 9am-12pm on Saturdays)
Where can I shop with VbV?
Most online merchants now participate in the VbV Scheme. Participating merchants will usually display the VbV logo.
Can I use VbV from any computer?
Yes. There is no special software to install, so you can shop from any computer and still receive the added protection provided by VbV.
Can I make an online purchase with a retailer that does not participate in the VbV service?
Yes you can. Simply follow the traditional checkout process.
How do I change my VbV passcode?
It may be possible to change your passcode by selecting the 'forgot your passcode' option on the VbV display window during checkout. Please follow the instructions displayed online. If the message advises to contact us, please note that only the person authorised to discuss the account should call us.
I have forgotten/locked my VbV passcode. What should I do?
If you have forgotten your passcode you may be able to re-set this by using the ‘forgot your passcode’ option. If you have locked your passcode or it has not been possible to re-set a forgotten passcode online don’t worry, we can re-set this by speaking to the person who is authorised to discuss the account.
Will each individual cardholder have a different passcode?
Yes, as each cardholder is prompted to register a passcode of their choice during the online checkout process, the passcode will be personal to the cardholder.
What happens if I acquire a new card with a different card number?
When you next make an online purchase using your new card you may be prompted to register a new passcode.
Security and Privacy
How does VbV provide protection?
Verified by Visa provides added protection against online card fraud. When you correctly enter the required characters of your passcode you are confirming that you are the authorised card holder. If the passcode characters are not entered correctly we will not be able to confirm your identity and the transaction will not be authorised.
How will the online retailer know that my card is protected by VbV?
When you make an online purchase with a participating retailer your card number is automatically recognised for this service and you will be asked to register or confirm your passcode when you check out.