VISA 3-D Secure

Automatic Security For Online Purchases

With online security being more and more important to our members, Wauna Credit Union teamed with VISA to automatically provide our members with an update to our Verified by VISA program, the new 3-D Secure Version 2.0.


3-D Secure Version 2.0 is designed to make online purchases more secure by helping ensure payments are made by the rightful owner of the VISA account. Version 2.0 is smarter, faster and simpler to use, and it now supports all connected devices. 

3-D Secure 2.0 delivers 10 times more data, such as device channel and payment history, than a previous version to speed up authentication and boost security, giving shoppers a fast pass through checkout. Merchants and issuers exchange greater contextual data to verify a cardholder’s identity, avoiding the need for every shopper to actively authenticate with a password.

How it Works

1) Member enters their VISA account details
2) The online merchant sends the information to be authenticated
3) Through VISA, Wauna Credit Union determines the transaction risk and may prompt you to verify your identity with a one-time password provided to the credit union. This happens in less than 1% of transactions.
4) WCU sends the authentication result to the merchant
5) The merchant submits transaction for authorization