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Is it via a password, in which case do you remember your password?Does the bank usually send a code to your mobile phone? Once you are ready then everything should progress smoothly.You will be able to reset your password quickly and carry on shopping.

Your bank wants to make sure that it’s really you making the purchase before they authorise the payment.

Yes, you will see this happen more often as many banks are updating their technology to include background checks behind the scenes. If the Verified by Visa message box pops up on screen after you’ve entered your Visa card details, there will probably be a ‘forgotten password’ option.

You still have the same level of protection but your bank only needs to ask you for a password or code if they think a purchase is higher risk. When you click this, you will be asked for some information you provided when you signed up.

Keep these basic principles in mind when shopping online.

Verified by Visa is offered by banks and service providers, not by Visa directly.

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