Strong Customer Authentication (SCA) is a set of rules that adds an extra layer of security to reduce fraud when using your card online. You may know this as Verified by Visa. Visa Secure is the new name for Verified by Visa.
To meet the SCA rules, you’ll need to complete two essential steps:
Please note: you need to complete these steps for every card holder that needs to use their card online. If you do not complete both steps, you may not be able to use your card online.
Strong Customer Authentication is a regulatory requirement that was introduced to protect customers from fraud. It is enforced in Europe under the Payments Services Directive (PSD2).
You can find out more on the FCA website here.
The request will appear in a box that overlaps the checkout screen. It will display the Visa icon and the Co-operative Bank logo. If you enter an incorrect Visa Secure password or one time passcode, the payment will not be authorised.
You will need to ask an account signatory to call us to:
Your Visa Secure password must:
To make your Visa Secure password as strong as possible, you should:
To keep your password safe, remember to:
Never share your Visa Secure password or one time passcode with anyone, including us
Never write your passwords down
Use different passwords every time you’re asked to create one
Use an online password manager to store all your log-in details
A one time passcode is a combination of numbers and letters that is automatically created to help confirm your identity and protect you from fraud when using your card online.
We need to send a one time passcode to your registered mobile number to confirm that it’s really you using your card at the checkout for online purchases.
The process on the payment screen:
One time passcodes are a secure industry authentication standard. It’s important that you never tell another person this code, including us.
We will only use your contact details for security purposes, unless you have opted in to receive marketing from us.
To discuss the card holder's individual circumstances, please call us on:
Lines are open Monday to Friday 8am to 6pm and Saturday 9am to 12pm. Call charges apply.
You can also visit us in branch.
Please note: if you are visiting us in branch, please refer to ‘Who can register or update a mobile number or Visa Secure password?’ above before visiting us.
No, card holders can use the same Visa Secure password on the new card.
Yes, but using different passwords for each card will give the card holder extra security.