Visa Secure is a fraud prevention tool used by online merchants. It helps verify that the shopper is the actual cardholder.
How Does Visa Secure Work?
Visa Secure allows cardholders to pre-register a personal identification number. If the merchant asks for this PIN during the checkout process, the processor will communicate with Visa for verification.
A mismatch could indicate the shopper is attempting an unauthorized purchase, as the cardholder would likely provide accurate personal information.