Method Walkthrough: How to Identify VBV and Non-VBV Cards
Objective
Use the Visa Purchase Page to check if a card is VBV (Verified by Visa) or Non-VBV.
VBV vs Non-VBV
- VBV: Requires 3D Secure (OTP/password). Not ideal for unverified platforms.
- Non-VBV: No extra authentication. Easier to use.
Steps:
1. Go to the VISA PURCHASE PAGE (e.g., Visa Purchase Alerts).
2. Enter the card number and select the card's issuing country.
3. Click 'Check eligibility' and observe the result.
Results Interpretation:
- If it proceeds without redirect or shows success -> Non-VBV
- If it shows a warning or redirect -> VBV
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VBV Card Example
This card triggered a warning that states: 'Your financial institution requires you use their service.'
This clearly indicates the card is secured with Verified by Visa (VBV) protection. Cards with VBV require
a secondary layer of authentication - usually in the form of a one-time password (OTP) or static password
entered on a 3D Secure page. This step is enforced by the issuing bank and is mandatory for online
transactions
on platforms that support 3D Secure.
VBV cards are not suitable for transactions where quick and uninterrupted payments are needed. If a
platform
does not have a built-in 3D Secure authentication system, the transaction will fail or be flagged. This is why
VBV cards are commonly avoided in fast-processing environments.
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Non-VBV Card Example
This card was verified and marked as eligible immediately, with no redirection to a 3D Secure page or
request
for OTP verification. This proves the card is Non-VBV - meaning it lacks the additional security layer enforced
by most banks during online payments. These cards allow direct and instant payment processing without
triggering
secondary verification steps.
Non-VBV cards are highly preferred in fast-paced and anonymous online transactions because they are
frictionless.
They allow checkout flows to complete successfully on most e-commerce platforms, even those that do not
support
3D Secure or are designed for low-profile use. Users often prioritize Non-VBV cards for flexibility and success
rate.
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