VISA’s New Payment Security Technology: What It Means For You

New Visa Updates may affect you

by contentwriter

Author: Aries Smith

Visa offers smooth transactions and convenience of day-to-day payment processing. To make payments even better, Visa introduces new updates.

Visa presents a new security requirement named Strong Customer Authentication (SCA). SCA is a new layer of protection for in-store and online purchases. Many banks have already started using the updated security measure for Visa cardholders to make contactless payments.

Even though a new layer of protection during transactions requires more technical efforts, it enhances user protection.  But how can the new VISA security measure affect its users? Let’s find out.

The new security measure impacts both in-store and online shopping. If you are a VISA customer, you need to be familiar with its latest changes to avoid frustration.

  • Shopping in-store

The new contactless purchase method requires users to enter use their PIN more often. If you have a problem transacting after entering your PIN, your visa card will be required to complete the payment. After you have inserted your card, you will be prompted to enter your PIN to perform a chip and PIN payment. If the issue persists, the best solution will be to contact your issuing bank on how to get through the transaction. Banks utilize a two-factor authentication(2FA) or VISA Secure, so, to help your further, you will be asked to provide at least 2/3 of these security measures:

  • A PIN or password.
  • A mobile phone or one-time password.
  • Fingerprint.
  • Shopping online 

For online transactions, the new payment technology will determine if you need to undergo an extra step at checkout. Worry not; you will be guided if you need to provide any additional information. Similar to contactless purchases, shopping online also supports Visa Secure. This means that you can avoid unauthorized use of your Visa card.


With Visa Secure, you don’t need to download, install or register anywhere. Whatever digital device you use for online shopping can be used for checkout. Furthermore, you may go through a 2FA pass or other form of verification.

The Impacts of Visa Payment Updates on Business

The new Visa payment technology will affect businesses and customer experience. Let’s review some of the factors.

  • Face-to-Face Payments:

Since the Strong Customer Authentication applies to every transaction, chip and PIN transactions will be required. For your business to support this new payment option, you need to update your business payment terminal. You can contact your bank or payment processor for help. 

  • Online payments:

When customers opt for online payments, your payment system will prompt them for a 2FA pass. Hence, you need a 3D Secure technology to meet the transaction requirements. You can utilize the EMV 3DS, which is a modern technology that allows customers to authenticate themselves. This technology offers a convenient payment experience for users. 

You can visit the VISA website to learn more about this verification technology.

In a Nutshell

No doubt, the success of Visa Strong Customer Authentication depends on its users. In short, compliance matters. While the new payment security technology offers more confidence and protection in every transaction, you don’t have to worry if you don’t like the new update; there is always an option with Visa. 


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