Verified By Visa Overview

As part of our on-going effort to improve our customer service, Heritage Bank is proud to offer Verified by Visa. Verified by Visa will provide password protection for purchases made on the internet with a Heritage Bank Visa CheckCard.

Click here to sign up.

What is Verified by Visa?

Verified by Visa is a proven system that uses identity information or passwords to confirm the identity of cardholders during online transactions, helping prevent fraudulent purchases before they occur. Verified by Visa gives consumers confidence that they can use their Visa cards to make purchases online without fear of unauthorized usage–thus removing the major barrier to increased Web commerce.

Verified by Visa is based on the 3-Domain (3-D) Secure™ protocol, a security standard for online payments that requires no significant change to the existing payments infrastructure. It works with both magnetic stripe and smart cards, and is easily used via most HTML browsers.

How It Works

When a cardholder makes a purchase at a participating merchant Web site, the transaction is authenticated in a few easy steps. For more details, click here or visit

Easy for Cardholders and Merchants

The Verified by Visa authentication process is simple for cardholders and merchants alike.

Cardholders can secure their online transactions just by entering identity information or a password. No new software installation or setup is required on their computer. Using technology developed by Visa, merchant software automatically recognizes Visa card numbers and initiates the authentication prompt.