Personal Banking

SharePoint & Verified by Visa

Frequently Asked Questions

Q: What is Verified by Visa (VbV) and how does it work?
Verified by Visa helps to protect your Visa cards against unauthorized use on the internet. It verifies your identity when you use a visa card for an online purchase at a participating merchant. Once you create and activate a password, you will be asked to enter your password each time you initiate an online purchase at a participating Verified by Visa merchant.

Q: How do I activate Verified by Visa?
SharePoint Visa cardholders may activate VbV in a number of ways:

Q: Why should I register for Verified by Visa?
Verified by Visa provides an extra level of protection for online shopping. Visa always protects it’s cardholders against unauthorized use, but Verified by Visa helps to prevent unauthorized online card use before it happens.

Q: Does Verified by Visa cost me anything?
No. Verified by Visa is a FREE service, offered by Visa in conjunction with SharePoint Credit Union and participating merchants.

Q: Can I use Verified by Visa from any computer?
Yes. One of the great advantages of VbV is that it can work with just about any PC with internet connection.

Q: Do I need any special software to use Verified by Visa?
No. There is no special software to install. Once you activate your card, you simply shop as you usually do. Your Visa card number is automatically recognized at checkout. Be sure that Cookies and JavaScript are enabled and that pop-up killers are disabled on your computer. See more information on supported browsers and how to enable Cookies and JavaScript in System Requirements.

Q: Do I use Verified by Visa on all internet sites?
You will only be presented with a Verified by Visa page when you are shopping online with participating merchants.

Q: What if I choose to not participate in Verified by Visa?
By choosing not to register for Verified by Visa, participating merchants will not allow you to make online purchases. You will be required to shop by phone when available.

Q: When I shop online the Merchant presents a page asking me for personal information. When I inquired with the merchant, they refer me back to my financial institution. Why am I being asked all of this personal information?
Your Visa Card has not yet been registered for Verified by Visa – a FREE service offered by SharePoint Credit Union to protect your Visa card against unauthorized use on the internet. We are asking you this information to verify your identity and activate your account. All of the information you provide is confidential and shared between you and SharePoint Credit Union only. Merchants do not have access to any of the personal information you are submitting.

Q: Why must I supply personal information during registration?
The personal information you supply is used as a security measure to make sure you are the real card holder. The information you supply is verified against the data stored in the cardholder file.

Q: Does an existing cardholder need to apply for a new card to use Verified by Visa?
No. All existing SharePoint Credit Union Visa credit and debit cards are enabled for Verified by Visa.

Q: Do I have to register my Visa if my joint cardholder already did?
Yes. Both cardholders on the account must be registered separately and each card holder must successfully complete registration, with each having a unique name and password, in order to begin utilizing Verified by Visa.

Q: How will I know if my registration is successful?
You will be notified that the registration is complete and that you can begin to shop utilizing the Verified by Visa service.

Q: What if I register for Verified by Visa through a third party issuer?
Cardholders who register at a third party issuer will be required to verify their identity by comparing collected personal data with external databases. Fields used for matching include: name, address, card number and the last four digits of their social security number. A card holder’s information may be checked against a credit file.

Q: What if I forgot my password?
Go to and click "Forgot your password" link. Follow the instructions and select a new password. You will be able to use your new password immediately.

Q: What if I need to change/update my password or my personal information?
If your information changes or you need to update/reset your password, you will need to re-enroll in Verified by Visa. Use your new account information to create a new password. SharePoint Credit Union representatives CAN NOT re-set passwords. To update your information or change your password, visit

Q: I used my Verified by Visa password and completed the transaction; why was my card declined?
Even though you did authenticate yourself through Verified by Visa, the transaction still needs to be authorized to ensure that your accounts are in good standing and can be used for this purchase.

Q: Can I use my Debit card pin as the password?
No. You must select a password that is between 6-10 character and that is alpha-numeric (at least one letter and one number)

Q: What happens when my Visa card expires?
You will be issued a new card. As long as the account number is the same, there is no reason to re-register with Verified by Visa. Your account is still valid.

Q: What if I lose my Visa card and my replacement card has a new number?
Your password is still valid. SharePoint Credit Union’s Visa card issuer will transfer the password to the new account.

Q: Why Can’t I use Verified by Visa for telephone transactions?
Verified by Visa is a program created to increase ONLINE security. When a member keys in their card number during the online check-out process with a participating merchant, their identity is recognized the card number and the password confirmed through Visa.

Q: What is the signature panel code?
The Signature Panel code is the last three digits printed on the signature area on the back of your Visa card. Also known as the Cardholder Verification Value or CVV2. These three numbers help ensure that the physical card is in the card holder’s possession while shopping online or by phone, helping prevent unauthorized or fraudulent use.

Q: What is a Personal Assurance Message?
As an added security measure, cardholders are asked to supply a Personal Assurance Message. You will see this message at the time of purchase when your password is requested. This is an added guarantee that you are actually dealing with a participating merchant and not an impersonator.

Q: When I enter my Visa Card number on the Verified by Visa web site to activate my card, how does Visa protect this information?
Visa takes extensive precautions to secure your card number, and it is only used for the purpose of providing this service. Be assured that your information is properly safeguarded. Payment card information is transmitted using a high level of encryption, and is stored on a secure served behind a firewall to protect against unauthorized access. For more details, see our privacy policy located at the Verified by Visa website.

Q: What is the Privacy Policy and where can I view it?
The Privacy Policy describes the cardholder information that is required for participation in Verified by Visa, and how it will be used and stored. You can access the issuer’s Privacy Policy by accessing the link at the Verified by Visa registration website:

Q: What are the terms and conditions for Verified by Visa?
Prior to completing the registration process, the cardholder will be asked to accept the terms and conditions for use of this service. Upon clicking the check box on the screen, the terms and conditions of Verified by Visa will be viewable. Terms and conditions provide the cardholder with participation rules.

Q: What should I do if the system is unable to verify my identity?
Call a Visa Representative at (800) 654-7728. They can assist you with verification issues.

You may also contact Verified by Visa via email: Please do NOT include your credit card number in your email inquiry. Most questions are answered within two business days.

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