{"id":1716,"date":"2025-08-12T08:02:46","date_gmt":"2025-08-12T08:02:46","guid":{"rendered":"https:\/\/www.gibintbank.gi\/?post_type=personal_banking&#038;p=1716"},"modified":"2025-11-10T10:11:03","modified_gmt":"2025-11-10T10:11:03","slug":"verified-by-visa","status":"publish","type":"personal_banking","link":"https:\/\/www.gibintbank.gi\/personal\/verified-by-visa\/","title":{"rendered":"Verified by VISA"},"content":{"rendered":"\n<div class=\"banner__wrapper \">\n\t<div class=\"banner__inner\">\n\t\t<div class=\"banner__sections\">\n\t\t\t<div class=\"banner__section banner__section--text\">\n\t\t\t\t<div class=\"banner__text\">\n\n<h1 class=\"wp-block-heading\">Verified by VISA<\/h1>\n\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div style=\"height:48px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Verified by Visa (VbV) gives you extra protection and peace of mind when you are shopping online. VbV not only protects your card against unauthorised use, it also means you can be confident that the online retailer you are buying from has made your security a priority. This is how it works: <\/p>\n\n\n\n\t\t<div class=\"icon-and-text-grid__outer-wrapper align wp-block-acf-icon-and-text-grid-block\">\n\n<div class=\"icon-and-text-grid__wrapper icon-and-text-grid__wrapper--reduce-bottom-space\">\n\t<div class=\"icon-and-text-grid__inner\">\n\t\t<div class=\"icon-and-text-grid__items\">\n\n\n\n<div class=\"icon-and-text-grid__item\">\n\t<div class=\"icon-and-text-grid__icon-image-wrapper icon-and-text-grid__icon-image-wrapper--clock\"><img decoding=\"async\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/themes\/gibraltar-international-bank\/images\/icons\/default\/clock.svg\" alt=\"Clock\" class=\"icon-and-text-grid__icon-image\" \/><\/div>\t<div class=\"icon-and-text-grid__item-content\">\n\n<h3 class=\"wp-block-heading\">VbV Notice <\/h3>\n\n\n\n<p>VbV works by asking for additional information during the checkout process of an online purchase. You will notice VbV when a message box pops up on screen after you have entered your Visa card details.<\/p>\n\n\n\n<p><\/p>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"icon-and-text-grid__item\">\n\t<div class=\"icon-and-text-grid__icon-image-wrapper icon-and-text-grid__icon-image-wrapper--phone\"><img decoding=\"async\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/themes\/gibraltar-international-bank\/images\/icons\/default\/phone.svg\" alt=\"Phone\" class=\"icon-and-text-grid__icon-image\" \/><\/div>\t<div class=\"icon-and-text-grid__item-content\">\n\n<h3 class=\"wp-block-heading\">One Time Password<\/h3>\n\n\n\n<p>This is the bank communicating with you directly. You will be prompted to input a one time password.&nbsp; This one time password will be sent to you via a text message to the mobile number we have registered for your account.<\/p>\n\n\n\n<p><\/p>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"icon-and-text-grid__item\">\n\t<div class=\"icon-and-text-grid__icon-image-wrapper icon-and-text-grid__icon-image-wrapper--arrows-leftright\"><img decoding=\"async\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/themes\/gibraltar-international-bank\/images\/icons\/default\/arrows-leftright.svg\" alt=\"Arrows (Left\/Right)\" class=\"icon-and-text-grid__icon-image\" \/><\/div>\t<div class=\"icon-and-text-grid__item-content\">\n\n<h3 class=\"wp-block-heading\">Transaction Complete<\/h3>\n\n\n\n<p>Once you have input and submitted this one time password you will receive a message confirming that your transaction has been completed.<\/p>\n\n<\/div>\n<\/div>\n\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\t<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"411\" height=\"419\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/3DS-Challenge-Window-1.png\" alt=\"\" class=\"wp-image-1722\" srcset=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/3DS-Challenge-Window-1.png 411w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/3DS-Challenge-Window-1-294x300.png 294w\" sizes=\"auto, (max-width: 411px) 100vw, 411px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"977\" height=\"321\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/SMS-OTP.png\" alt=\"\" class=\"wp-image-1723\" srcset=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/SMS-OTP.png 977w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/SMS-OTP-300x99.png 300w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/SMS-OTP-768x252.png 768w\" sizes=\"auto, (max-width: 977px) 100vw, 977px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"590\" height=\"241\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/Authentication-Sucessful-1-1.png\" alt=\"\" class=\"wp-image-1725\" srcset=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/Authentication-Sucessful-1-1.png 590w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2025\/08\/Authentication-Sucessful-1-1-300x123.png 300w\" sizes=\"auto, (max-width: 590px) 100vw, 590px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"image-with-text-group__wrapper image-with-text-group__wrapper--desktop-flip image-with-text-group__wrapper--reduce-bottom-space\">\n\t<div class=\"image-with-text-group__inner\">\n\t\t<div class=\"image-with-text-group__items\">\n\n\t\t<div class=\"align wp-block-acf-image-with-text-group-block-item\">\n\n\n\t\t<div class=\"image-with-text-group__item-outer-wrapper align wp-block-acf-image-with-text-group-block-item\">\n\n<div class=\"image-with-text-group__item\">\n\t<div class=\"image-with-text-group__sections\">\n\t\t<div class=\"image-with-text-group__section image-with-text-group__section--image\">\n\t\t\t<div class=\"image-with-text-group__image-wrapper\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1184\" height=\"1132\" src=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/Lending-4.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/Lending-4.jpg 1184w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/Lending-4-300x287.jpg 300w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/Lending-4-1024x979.jpg 1024w, https:\/\/www.gibintbank.gi\/wp-content\/uploads\/2024\/12\/Lending-4-768x734.jpg 768w\" sizes=\"auto, (max-width: 1184px) 100vw, 1184px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"image-with-text-group__section image-with-text-group__section--text\">\n\t\t\t<div class=\"image-with-text-group__text-wrapper\">\n\n<h2 class=\"wp-block-heading\">Stay in touch <\/h2>\n\n\n\n<p>I<strong>t is important that you inform us in the event that you receive a One Time Password notification that you were not expecting.\u00a0\u00a0<\/strong><\/p>\n\n\n\n<p class=\"has-custom-color-b-color has-text-color has-link-color wp-elements-5a0764714be03a5a9029493a41e3a3a9\"><strong>Please contact us on phone: +1 608 352 9866 in the event that you wish to update your contact details or if you encounter any issues with the VbV service.<\/strong><\/p>\n\n<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"accordion__wrapper \">\n\t<div class=\"accordion__inner\">\n\t\t<div class=\"accordion__items\">\n\n<h2 class=\"wp-block-heading\">FAQs<\/h2>\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What is &#8216;Verified by Visa&#8217;<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>Verified by Visa is a fraud prevention service that adds an extra layer of protection when you make purchases online with your Visa card. It helps ensure that the person using the card is the legitimate cardholder.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">How can I identify a participating retailer?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<ol class=\"wp-block-list\">\n<li>When shopping online, participating merchants will display the Visa Secure or Verified by Visa logo during checkout. This indicates that the retailer supports the extra layer of authentication.<\/li>\n\n\n\n<li>You can go to Visa.com and search for \u201cVerified by Visa.\u201d Then scroll to the bottom of the page and look for a link like \u201cPlaces to Shop\u201d or similar. This may provide a list or examples of participating merchants<\/li>\n<\/ol>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">Do I need to register my debit card for the &#8216;Verified by Visa&#8217; service?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>You don\u2019t need to register or install anything. If the merchant is part of the program, Visa Secure will automatically activate during checkout. You may be prompted to verify your identity with a one-time passcode or biometric.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What is an OTP?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p><strong>An OTP is a temporary code that is:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unique: Generated for a single use.<\/li>\n\n\n\n<li>Time-sensitive: Usually expires within a few minutes.<\/li>\n\n\n\n<li>Sent via secure channels: Typically sent to your mobile phone via SMS, email, or through an authentication app.<\/li>\n<\/ul>\n\n\n\n<p><strong><strong>OTP adds an extra layer of security, especially for:<\/strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Online banking<\/li>\n\n\n\n<li>E-commerce transactions<\/li>\n\n\n\n<li>Account logins<\/li>\n\n\n\n<li>Password resets<\/li>\n<\/ul>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item-group\"><\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What is a registered mobile number?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>A registered mobile number is the phone number you\u2019ve provided to your bank to receive important communications, such as security codes, transaction alerts, and account updates.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">How do I change my registered mobile number?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>To update your registered mobile number, simply complete the Mobile Number Update Form available on our website. Once filled out, you can either email it to contact@velantistrust.com or drop it off at our branch.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">How much does it cost me to use the &#8216;Verified by Visa&#8217; service?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>Using Verified by Visa typically does not cost anything for our cardholders.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">Is a OTP required for all online purchases?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>No, an OTP (One-Time Password) is not always required for every online purchase. Whether or not you&#8217;re asked for an OTP depends on several factors:<\/p>\n\n\n\n<p><strong>When OTP Is Required<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High-risk or unusual transactions (e.g. large amounts, new devices, or unfamiliar locations).<\/li>\n\n\n\n<li>Merchants enrolled in Visa Secure (Verified by Visa).<\/li>\n\n\n\n<li>Bank policies: Some banks require OTPs for all online purchases as an added layer of security.<\/li>\n<\/ul>\n\n\n\n<p><strong>When OTP May Not Be Required<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low-risk or recurring transactions.<\/li>\n\n\n\n<li>Trusted merchants or previously verified devices.<\/li>\n\n\n\n<li>Frictionless authentication: Visa Secure uses risk-based authentication, which may allow some transactions to go through without an OTP if the system deems them safe.<\/li>\n<\/ul>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">How does the &#8216;Verified by Visa&#8217; work?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>It\u2019s a security feature that helps protect your Visa card from unauthorized use when shopping online. It uses risk-based authentication to verify your identity during transactions.<\/p>\n\n\n\n<p><strong>How It Works<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Online Purchase Begins<\/li>\n\n\n\n<li>You shop at a merchant that supports Visa Secure.<\/li>\n<\/ul>\n\n\n\n<p><strong>Transaction Assessment<\/strong><br>Visa\u2019s system evaluates the transaction in real time using factors like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Merchant reputation<\/li>\n\n\n\n<li>Purchase amount<\/li>\n\n\n\n<li>Device and location<\/li>\n\n\n\n<li>Your transaction history<\/li>\n<\/ul>\n\n\n\n<p><strong>Authentication Triggered (if needed)<\/strong><br>If the transaction seems unusual or high-risk, you\u2019ll be asked to verify your identity. This involves:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Entering a One-Time Password (OTP) sent to your registered mobile number<\/li>\n<\/ul>\n\n\n\n<p><strong>Transaction Approved or Declined<\/strong><br>Once verified, the transaction proceeds. If verification fails, the transaction may be declined to protect you.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">How long is the OTP valid for?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>The OTP is valid for 5 to 10 minutes.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What should I do if I have not received my OTP?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p><strong>Wait a Few Minutes<\/strong><br>Sometimes there\u2019s a short delay in delivery, especially during peak times.<\/p>\n\n\n\n<p><strong>Check Your Signal &amp; Inbox<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ensure your phone has a good signal.<\/li>\n\n\n\n<li>Check your SMS inbox.<\/li>\n<\/ul>\n\n\n\n<p><strong>Request a New OTP<\/strong><br>Most systems allow you to click a \u201cResend OTP\u201d option after a short wait (usually 2\u20133 minutes).<\/p>\n\n\n\n<p><strong>Verify Your Registered Mobile Number<\/strong><br>Make sure your bank has your correct and up-to-date mobile number. If needed, you can update it by completing the Mobile Number Update Form and submitting it via email or at the branch.<\/p>\n\n\n\n<p><strong>Restart the Transaction<\/strong><br>Cancel and restart the transaction to trigger a new OTP.<\/p>\n\n\n\n<p><strong>Contact Customer Support &#8211;  If the issue persists, reach out to your bank\u2019s customer service for assistance.<\/strong><\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What should I do if my OTP has expired?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p><strong>Request a New OTP<\/strong><br>Most systems will offer a \u201cResend OTP\u201d or \u201cRequest New Code\u201d option. Click it to receive a fresh code.<\/p>\n\n\n\n<p><strong>Restart the Transaction (if needed)<\/strong><br>If the system doesn\u2019t allow you to resend the OTP, you may need to cancel and restart the transaction to trigger a new one.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What should I do if my OTP does not work?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p><strong>Double-Check the Code<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Make sure you entered the code exactly as received (no extra spaces or digits).<\/li>\n\n\n\n<li>Confirm that you\u2019re using the most recent OTP if you requested more than one.<\/li>\n<\/ul>\n\n\n\n<p><strong>Check the Expiry Time<\/strong><br>OTPs are usually valid for only a few minutes. If it\u2019s expired, request a new one.<\/p>\n\n\n\n<p><strong>Request a New OTP<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use the \u201cResend OTP\u201d option if available.<\/li>\n\n\n\n<li>Wait a few seconds before trying again to avoid system delays.<\/li>\n<\/ul>\n\n\n\n<p><strong>Restart the Transaction<\/strong><br>Cancel and restart the transaction to generate a fresh OTP.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What happens if I input my OTP incorrectly?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p><strong>Transaction Fails to Proceed<\/strong><br>The system will not authorize the transaction until the correct OTP is entered.<\/p>\n\n\n\n<p><strong>Retry Option<\/strong><br>You\u2019ll usually be given a chance to re-enter the OTP. Most systems allow multiple attempts (usually 2\u20133 tries).<\/p>\n\n\n\n<p><strong>OTP May Expire<\/strong><br>If you take too long or enter it incorrectly too many times, the OTP may expire. You\u2019ll need to request a new one or restart the transaction.<\/p>\n\n\n\n<p><strong>Security Lockout<\/strong><br>The bank may temporarily block further attempts if multiple incorrect entries are made, as a security measure.<\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What should I do if I receive an &#8216;Authentication Failed&#8217; message?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>If you receive an &#8220;Authentication Failed&#8221; message during a Visa Secure (Verified by Visa) transaction, it means the system couldn\u2019t verify your identity. This is a security measure to prevent unauthorized use of your card. Here&#8217;s what you should do:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Incorrect OTP or password: Mistyped or outdated credentials are the most frequent cause 1.<\/li>\n\n\n\n<li>Expired OTP: OTPs are time-sensitive and typically expire within a few minutes 1.<\/li>\n\n\n\n<li>Pop-up blockers: These can prevent the Visa Secure authentication window from appearing 1.<\/li>\n\n\n\n<li>Browser or device issues: Older browsers or unsupported devices may not handle the authentication process properly 2.<\/li>\n\n\n\n<li>Bank system issues: Temporary outages or glitches at the bank or merchant\u2019s end can interrupt the process 1.<\/li>\n<\/ul>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__item\">\n\t<div class=\"accordion__item-sections\">\n\n\n\n<div class=\"accordion__section accordion__section--item-header\">\n\t<button type=\"button\" role=\"switch\" aria-checked=\"false\" class=\"accordion__item-header\">\n\t\t<div class=\"accordion__item-header-content\">\n\n<h3 class=\"wp-block-heading\">What should I do if I receive a password I wasn&#8217;t expecting?<\/h3>\n\n<\/div>\n\t<\/button>\n<\/div>\n\n\n\n\n\n\n<div class=\"accordion__section accordion__section--item-body\" hidden>\n\t<div class=\"accordion__item-body\">\n\t\t<div class=\"accordion__item-body-content\">\n\n<p>If you receive a password or OTP that you weren\u2019t expecting, it could be a sign of a security issue or a simple mistake. Here\u2019s what you should do:<\/p>\n\n\n\n<p><strong>Do Not Use It<\/strong><br>Avoid entering the code anywhere unless you initiated a transaction or login.<\/p>\n\n\n\n<p><strong>Check for Unauthorized Activity<\/strong><br>Review your recent account activity to ensure no one is trying to access your account without permission.<\/p>\n\n\n\n<p><strong>Contact The Bank Immediately<\/strong><\/p>\n\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n<\/div>\n\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Verified by Visa (VbV) gives you extra protection and peace of mind when you are shopping online. VbV not only protects your card against unauthorised use, it also means you can be confident that the online retailer you are buying from has made your security a priority. This is how it works:<\/p>\n","protected":false},"parent":0,"menu_order":0,"template":"","page_type":[],"class_list":["post-1716","personal_banking","type-personal_banking","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Verified by VISA - Velantis Trust International Bank<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gibintbank.gi\/personal\/verified-by-visa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Verified by VISA - Velantis Trust International Bank\" \/>\n<meta property=\"og:description\" content=\"Verified by Visa (VbV) gives you extra protection and peace of mind when you are shopping online. 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