Personal Finance
Personal Finance
Verified by Visa - FAQs

We're glad you want to learn more about the ways Verified by Visa is protecting you. There's a good chance you'll find the answer to most questions you may have about the program.

Click on the general category below to go to the frequently asked questions and answers on that subject.

Questions About the Service
Questions About Shopping with Verified by Visa
Questions About Registration


Questions About the Service

Q: What is Verified by Visa?
A: Verified by Visa is a service developed by Visa to validate your identity when you use your PNC card for online purchases at participating merchants.

Q: Who can register for Verified by Visa?
A: Anyone with a PNC Visa personal credit or debit card. Business credit or debits cards and all corporate cards are not eligible for registration in Verified by Visa.

Q: What is the benefit for consumers?
A: Verified by Visa provides added assurance when using your Visa card to make purchases online. You can be sure that any online merchant using the Verified by Visa security system is a legitimate commercial entity.

Q: Is my personal information safe and secure?
A: Yes. Your information is transmitted using a high level of encryption and is stored on a secure server.

Q: Does Verified by Visa cost me anything?
A: No. There are no costs associated with this service.

Q: What happens when my PNC card expires?
A: When you are re-issued a new Visa card due to expiration, the Verified by Visa service is automatically updated with your new card information. You do not need to re-register in order to continue using the Verified by Visa service.

Q: What happens if I cancel or lose my PNC card and then get a new one with a different account number?
A: You will need to register the new card in the Verified by Visa service.

Q: I don't shop online much, should I still register my card for Verified by Visa?
A: Yes, even if you don't currently shop online, you should register your card with Verified by Visa. If your card is registered with Verified by Visa and you lose your card or if someone attempts to make a purchase using your account number they will not be able to make purchases at participating Verified by Visa merchants. Without your password the transaction will not be approved.

Questions About Shopping with Verified by Visa

Q: How do I shop with Verified by Visa?
A: Once you've registered, the service will automatically work at any of Visa's participating merchants.

Q: Where can I shop using Verified by Visa?
A: At all Verified by Visa participating merchants. The list of merchants and exclusive Verified by Visa offers is growing all the time, so come back and visit this site often.

Q: Can I still use my PNC card at online merchants that are not participating in Verified by Visa?
A: Yes, your PNC card will continue to work as usual if the merchant is not participating in Verified by Visa. You will not be asked to enter your Verified by Visa password at these merchants.

Q: I am not an Internet expert. How easy is Verified by Visa to use?
A: Just complete the registration process by verifying your identity the first time you shop at a participating merchant and then shop! All you will need to do then is enter your Verified by Visa password  when checking out at participating merchants. We're here to make shopping in the virtual world as easy and convenient as possible.

Q: What browser do I need to use for Verified by Visa?
A: Verified by Visa requires Microsoft Internet Explorer version 4.0 and above, Netscape Navigator 4.0 and above, or AOL 4.0 and above.

Q: Can I use Verified by Visa from a different computer than the one where I registered?
A: Yes. That's one of the features of Verified by Visa! Verified by Visa works with just about any computer that's connected to the internet.

Q: Can I use both credit and debit cards with Verified by Visa?
A: Yes! Verified by Visa was designed for use with both credit and debit cards. When you use your debit card with Verified by Visa, your transaction experience will be similar to credit transactions - so you won't enter your PIN. This is known as an offline debit transaction.

Q: What happens when I finish shopping?
A: When you are finished shopping, proceed to the merchant's checkout page. As the transaction is completed, you will be asked to enter your Verified by Visa password.

Questions About Registration

Q: How do I register for Verified by Visa?
A: At this time you will only be able to register during the check out process when shopping at participating online merchants. You'll be prompted to verify your identity and create your unique password. It's an easy process.

Q: How do I register for Verified by Visa if my PNC credit card account is a joint account?
A: Either the primary or secondary credit cardholder can register the joint account; however during registration, the last 4 digits of the primary accountholder's Social Security number must be entered.

Q: If I have more than one Visa account with PNC do I have to register them separately?
A: Yes, you must register each account separately.

Q: Why are you asking these questions during registration?
A: Visa must make sure that the owners of Visa card accounts are the ones actually registering their cards for Verified by Visa. To do this, they have set up a process to check the information you submit against our files to ensure that the individual signing up for Verified by Visa is in fact the person they say they are. The two-step process verifies the identity of cardholder registrants for Verified by Visa, and provides system-wide confidence to everyone participating in this service, including the merchants and PNC Bank.

Q: What is the Signature Panel code?
A: A Signature Panel code is a 3 digit number, on the back of your Visa card just after the account number that uniquely identifies the card issued to a cardholder. This is another measure to safeguard your card. Visa can match the card verification code against its own records to help verify that the person trying to register for the service is in physical possession of the card, and likely to be the rightful owner of the card.

Q: What is a Personal Message?
A: The Personal Message is created by you during the registration process, and will be displayed back to you when you are prompted for your password during Verified by Visa password verification at checkout. The Personal Message was designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing Internet users in order to gain access to personal financial information. So when the Verified by Visa password window prompt includes your Personal Message, that gives you more assurance that it is actually Verified by Visa asking you for your password, and not someone else masquerading as Verified by Visa.