Verified by Visa and MasterCard SecureCode with Fast Charge
Verified by Visa and MasterCard SecureCode

Verified by Visa and MasterCard SecureCode


Marketed as Verified by Visa and MasterCard SecureCode, these programs ensure authentication of credit card holders with their issuing bank, eliminating merchant liability for the most common fraud-related charge-backs, and providing confidence to consumers that their cards cannot be used for fraudulent purchases.

Verified by Visa and MasterCard SecureCode® is a that requires a unique password to make online purchases with your Visa or MasterCard at participating merchants. This extra security helps prevent any unauthorized online use of a card.

Verified by Visa works to confirm an online shopper’s identity in real time by requiring an additional password or other data to help ensure that no one but the cardholder can use his Visa card online.

When customers see the Verified by Visa symbol on your site at checkout, they can rest assured that their online transactions are protected by the brand they know and trust. And, even if the cardholder isn’t enrolled in the program or their issuer isn’t participating, the merchant is not liable for certain fraud-related chargebacks on Visa personal debit and credit card transactions.


Fast Charge allows merchants to integrate their choice of payer authentication applications into their shopping cart or web based application, and then process payer authenticated transactions through their existing payment gateway account to gain additional protection against chargebacks.


  • Reduces Fraud – Merchants can verify that the person using the card is the cardholder.
  • Charge-back Protection – Authenticated transactions may not be charged back if the cardholder alleges they did not make or authorize the purchase.
  • Increases consumer confidence – Assures consumers that their transactions will be secure, leading to increased sales.


How does the payer authentication process work?

Consumers enroll their Visa or MasterCard credit cards in the Verified by Visa or MasterCard SecureCode programs at their issuing bank’s web site. During the enrollment, they choose a password to associate with their card. When they use that card at a merchant enabled for Verified by Visa and MasterCard SecureCode, they are prompted by their issuing bank to ‘sign” for the purchase with their password.


Additional information is available at the credit card association web sites:

Verified By Visa
MasterCard SecureCode

How do I get started using payer authentication?

Contact Fast Charge customer service for more information on how to activate payer authentication on your account.

Note: Payer Authentication services (Verified by Visa and MasterCard SecureCode) are currently available to merchants that process on FDMS-Nashville or TSYS (Vital) authorizing networks. Additional fees may apply.

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