Benefits

There are a number of benefits of the Verified by Visa program:

  • Increase cardholder confidence in shopping with VISA and grow ecommerce volumes
  • Reduce the number of disputed/charged back transactions which means an increase in profitability and less time in resolving issues
  • Reduce the risk of fraudulent transactions

How does Verified by Visa impact my Chargebacks?

If you send a transaction through the Verified by Visa process and obtain and pass the appropriate information through that process you will not be liable for chargebacks related to the cardholder indicating that he/she did not do the transaction.

Possible Response
 Scenario ECI Value Merchant Liable for Chargeback
Confirmation Authentification successful 5 NO
Denial Issuer is not able to authenticate N/A Do NOT proceed with transaction
Attempt / Non-partificpation Attempted to authenticate but did not receive a confirmation or denial due to a non-participation or non functioning ACS 6 NO
Unable to Authenticate Incomplete transaction, questionable transaction or card type is not supported in the VbV program 7 YES