Verified by Visa

Verified by Visa
Verified by Visa (VBV) is an easy to use, secured online payment service from IOB that lets you shop securely online with your existing IOB Visa Debit/Credit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet.

As per RBI Guidelines, Verify By VISA password is a third factor authentication for ECOM transactions and the same can be created by the card holder only after keying in the valid card credentials. It is the card holder’s responsibility to keep the secrecy of Verify By VISA password as in the case of ATM Pin.

Internet e-commerce transactions done using the Debit Card number are deemed valid approved transactions when authenticated by Verify by Visa password(VBV) created and known only to the customer and which is not available on the card or conveyed to customer in any format. In case of disputes, Bank will not be able to raise claim with VISA and refund the disputed amounts for such transactions duly approved by Verify by VISA password, a third factor authentication. Bank will be able to provide the Date of the Disputed transaction, Merchant Name, Acquirer Bank details, IP Address etc and it is for the customers to independently proceed with the perpetrators.

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