VbV - Verified by Visa - is a free service by provided by Habib Bank UK and certified by Visa International offering you the option to secure your card details whilst shopping on the internet at participating VbV Merchants.
When you purchase online at participating web-sites, VbV issues a receipt at the end of the checkout process. You sign the receipt using your personal password and click "Confirm" to proceed with the purchase. Without your password, the purchase cannot take place. The receipt includes details of your current purchase, such as merchant name, purchase amount, date, card number (four last digits) and "Personal Greeting".
Since your card is protected by your personal password, only you can use your card online at participating VbV merchants.
No. You are able to use your existing HBL Visa Debit Card.
Many merchants are already signed up for VbV (http://www.visaeurope.com/personal/onlineshopping/verifiedbyvisa/vbvretailers/main.jsp) and many more merchants are signing up. You will recognise which merchants are part of VbV as a window will pop-up and ask you for your password when you are about to complete your transaction.
As long as you have the following browsers and operating systems you should be able to enrol with VbV – Windows Microsoft Internet Explorer 5.5 and 6.0, Windows Netscape 7.1 and 7.2, Windows AOL 9, Windows Firefox 1.0 and Macintosh Safari. The service supports operating systems Microsoft Windows 95, Windows 98, Windows 2000, Windows ME, Windows NT and Windows XP.
Your replacement card will be updated automatically. When you are re-issued with a new debit card, VbV will automatically update your new card information for you, which means you do not need to re-enrol to continue using the VbV service.
You do not need to register the new card for the VbV service.
If your card is lost or stolen follow the existing process by reporting your card as you would normally do. You do not need to register your new replacement card with VbV.
You can enrol any of your own existing HBL Visa Debit Card.
There is no limit to the number of cards you enrol, as you type the information required for enrolling one of your cards, all of them if you have, will be automatically enrolled.
The personal information you are supplying is used as a security measure to make sure you are the genuine cardholder. The information you supply is verified against the data stored in our database.
Yes. When you enrol to VbV you will have to create a password. It will be valid for all of the cards that you have. You must select a password which includes at least 6 letters and/or numbers. Your password is case sensitive. We recommend that you create a password that will be easy for you to remember and difficult for others to guess.
A "Personal Greeting" is a sentence that you create during enrolment. This text should be personal, but not confidential e.g. "My dog's name is Tin". Each time a VbV receipt is presented, you should look for the Personal Greeting – it proves that it is a genuine VbV receipt. Please note – you cannot select a Personal Greeting that will be identical to the password. Your password must be kept confidential, while the Personal Greeting is openly displayed on the receipt.
Confirm if the information provided (your details) is correct. Optionally you can call to Customer Service helpdesk on 0845 603 5799 or +44 20 7780 1061 or email to .
You have the option to purchase up to three times without enrolling your card. The fourth purchase is mandatory you enroll your card otherwise you are not allowed to go ahead.
The additional cards should be activated for VbV as well. We recommend that the password and personal greeting are different for each additional card.
When you purchase online at participating merchants, VbV issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as merchant name, purchase amount and date. You sign the receipt (post your Shopping Password) and click “Confirm” to proceed with the purchase. When you shop online with your HBL Visa Debit Card, the VbV service will automatically be active at participating VbV merchants.
You can start to use the VbV service immediately after you complete the enrolment process.
First, check to make sure that the card you used for the purchase is one that you have enrolled with VbV service. Second, determine whether the merchant is a participating VbV merchant. If the merchant is participating and you are using the right card, contact the merchant's customer service centre for help.
Yes, you can still purchase goods and services as you normally would but they will not be supported by the VbV service.
If you forget your password, select the 'Forgotten your password' link that appears on the receipt and follow the procedures required during your registration for the VbV service to prove that you are the genuine cardholder. You will then be able to create a new password.
Always look for the Personal Greeting before signing the receipt. If your Personal Greeting does not appear on the receipt, please do not sign it and contact our Customer Service helpdesk on 0845 603 5799 or +44 20 7780 1061.
Always look for your Personal Greeting before signing the receipt. If a Personal Greeting other than yours appears on the receipt, please do not sign it and contact our Customer Service helpdesk 0845 603 5799 or +44 20 7780 1061.
No. VbV only authenticates the cardholder registered to the specific card being used and the authorisation of each transaction will be subject to sufficient funds being available or any other fraud prevention checks being completed satisfactorily.
Both the primary cardholder and the additional cardholder must enrol separately in any order so long as the additional cardholder chooses a password that is different to that of the primary cardholder.
You must not share your password with anyone. The additional cardholder should establish his/her own password. This increases the security of your VbV online purchases.
Yes, three times.
Use the "Forgotten Password" option.
Use the "Forgotten Password" option.
No. Once you have enrolled is not possible to cancel.
You can change both using the "Forgotten Password".