Protecting your online purchases

In the ongoing effort to prevent ID theft and online fraud, American 1 is now requiring that members who make purchases from online vendors using Verified by Visa (for credit card transactions) and MasterCard SecureCode (for debit transactions) sign up for each program.

These two programs require that you enter a seperate, secure passcode when you make online purchases at participating vendors. When an online merchant prompts you to enter your SecureCode or Verified by Visa code, you have to be signed up with the respective credit or debit program to make your purchase.

Not all online merchants (, PayPal, etc.) currently require you to use Verified by Visa or SecureCode when making a purchase. For the ones that do, however, you’ll be required to sign up for the program. Use Visa’s online form to activate Verified by Visa, and MasterCard’s unique American 1 page to get the process started.

You can choose to “decline” the transaction, but if you do, your transaction will be declined.

In other words, this service is now mandatory for online transactions where the merchant offers it. But again: not all online merchants currently utilize these programs.

We’re doing this to combat online fraud. There have been more and more members that have been affected by identity theft, especially using Visa and MasterCard cards, so we’re using these security programs to fight back.

Yes, this means you’ll have one more passcode to remember. But, in the long run, it will help protect you in case someone steals your credit or debit card number.

If you have any questions about Verified by Visa or SecureCode, contact our Card Services Department at (888) 213-2848.

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