Providing you with extra security when you buy online using your TSB Business Debit Card and Credit Card.
What is Verified by Visa and Mastercard® SecureCode?
Verified by Visa and Mastercard® SecureCode is a free service that gives you extra protection when you're buying online.
The service will assess each transaction and either verify it automatically or, in some cases, ask you for some further information to help us verify the payment. This means that you can safely purchase online, with fewer interruptions, knowing that Verified by Visa and Mastercard® SecureCode are helping protect you from fraud.
Verified by Visa and Mastercard® SecureCode provides you with extra security when you purchase goods and services online. It is not intended to verify or endorse websites (or the goods and services offered on those websites) which offer the Service. Please read these conditions carefully before using this Service. These conditions should be read in conjunction with 'Your Banking Relationship with us' - Personal Banking terms and conditions and/or any other terms and conditions specific to your Account. For business accounts these conditions should be read in conjunction with the Business Cardholder conditions for the card and the agreement between the Business and the Bank under which the cards are issued to the Business Cardholders.
1. Meaning of some words in this agreement
'Account': for personal accounts this means your account for which you have a personal credit or debit card. For business accounts this means the account held by the Business with us to which all debit and/or credit cards transactions are debited.
'Business': the business at whose request the debit or credit card has been issued to the Business Cardholder.
'Business Cardholder': the individual to whom a debit or credit card has been issued on the Accounts.
'Service': the secure electronic payment service for card transactions online provided by CA Technologies on our behalf.
'Security Codes': card information, memorable information or other information we use to check your identity.
We/us/our/Bank: TSB Bank plc.
You/your: for personal accounts this means the Account holder. For business accounts held by a sole trader, you/your means the sole trader and any other Business Cardholder on such accounts. For any other type of business customer, 'you/your' means the Business Cardholder.
2. Using this Service
When you use Verified by Visa and Mastercard® SecureCode, both these conditions and your Account conditions will apply. If they contradict each other, the relevant condition in your Account conditions will apply.
All TSB Card accounts participate in this Service. It is not a requirement to register for the Service prior to using your card online. The Service will assess each transaction and will only be invoked in situations where authentication is required due to the assessed risk of the transaction.
When making a purchase online and authentication is required, you will see a pop up in a new window. You will then be asked to complete some security questions to authenticate your identity. When you have successfully completed the security questions your purchase will be processed.
In a small percentage of high risk transactions the authentication process may not be invoked and the authentication request may be denied. Should this occur contact numbers to our Fraud Contact Centre will be provided to allow genuine transactions to proceed.
Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for TSB.
We will check your identity before we can accept any instructions from you or discuss your Accounts. To use the Service you may need to use Security Codes.
not let anyone else know or use your Security Codes;
not write down your Security Codes;
take all reasonable steps to ensure your Security Codes stay secret.
If you think someone knows your Security Codes or may be accessing your Account or the Service without your authority you must notify us immediately. You should check statements we send you and let us know urgently about any errors.
As long as we have been given your Security Codes, we are entitled to assume we are dealing with you and will:
act on (and you will be bound by) all instructions;
allow access to confidential information we hold about you and your accounts, without getting further confirmation from you.
However, you/the Business will not be liable for any instructions you do not give yourself, unless we can prove you were acting fraudulently or without reasonable care (for example if you do not tell us as soon as you think someone knows your Security Codes or is accessing your Account without your authority or you broke your obligations in condition 3).
5. Personal information
We will collect certain personal information from you for verification and security purposes, which we will pass on to CA Technologies who is carrying out this Service on our behalf.
Your Security Codes will not be passed on to online retailers participating in this Service.
We may give the police or any prosecuting or regulatory authority any information they need if we think it will help them find out if someone else is using your Security Codes.
For further details about how we use your personal information please see 'Your Banking Relationship with us' - Personal Banking terms and conditions and/or any other terms and conditions specific to your Account. For business accounts the 'Personal and business data' section of the terms and conditions which apply to the Business current accounts and/or debit or credit cards.
6. Protection of Software
By using this Service you will not acquire any ownership rights, title or interest in or to the software made available to you.
You must not:
do anything which may damage, interfere with or disrupt the software or the way it is provided; or
display, alter or use any trademarks without the owner's prior written permission.
7. Ending your use of the Service
We may end the Service immediately if you close your Account/s or you no longer have any cards registered for the Service or, by telling you personally and giving you 30 days notice.
We may also suspend or end the Service immediately or decline to follow an instruction if we think;
there is a breach of security or we are uncertain whether an instruction is valid (but, please note, we are not bound to check whether an instruction is valid);
you have broken an agreement you have with us;
you are not eligible for an Account or service;
we reasonably think you or someone else is using or has obtained, or may use or obtain, the Service illegally, fraudulently or improperly.
there is a legal requirement or a court or other authority tells us to act in that way;
If we do take action, we will act in a manner we reasonably think is proportionate in the circumstances and will tell you before doing so, if we can reasonably do so.
This Service may be ended without notice if such action is required by Visa International Services Association or Mastercard® International who run the payment systems for the cards used with your Account.
8. Changes to these conditions
We may change any terms of this agreement. We will tell you personally at least 30 days before we make a change to your disadvantage. We can make any other changes straight away by telling you personally or publishing them on our web site.
This Service may be changed without notice if such action is required by Visa International Services Association or Mastercard® International who run the payment systems for the cards used with your Account.
9. General information
When we tell you personally about a change we will do so by letter, email or any other way by which communications are sent to you individually.
You can usually use the Service at any time but repairs, updates and routine maintenance to our systems and those of our suppliers mean the Service may be slow or unavailable from time to time. We will not be liable if the Service is unavailable at any time for these reasons.
This Service and these conditions are governed by English law. Any disputes arising from this site shall be resolved by the English courts, unless you can show you accessed the site from Scotland in which case the Scottish courts may be used.
Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.
If you have a question about the Service, please call 0345 835 3841 if you're calling from the UK and +44 203 284 1581 if you're calling from outside the UK. Calls may be recorded and monitored.
Verified by Visa and Mastercard® SecureCode frequently asked questions
Verified by Visa and Mastercard® SecureCode is a free service offered by TSB in partnership with Visa International Services Association and Mastercard ® International. This service offers more secure Internet purchasing, using your preferred form of Internet payment - your TSB Business Credit and Debit Card.
The service will assess each transaction and either verify it automatically or, in some cases, ask you for some further information to help us verify the payment.The Verified by Visa and Mastercard® SecureCode service only applies to online purchases at participating retailers.
When you make a purchase online, Verified by Visa and Mastercard® SecureCode issues a receipt to the retailer at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount, and date. You will get a "Processing..." page after you have entered your payment details or, in some cases, you may be asked to provide further information to help us verify the payment.
Yes. One of the great advantages of Verified by Visa and Mastercard® SecureCode is that you can use it from any computer connected to the Web that has a compatible browser. Compatible browsers are listed above.
Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Verified by Visa and Mastercard® SecureCode to operate correctly.
It may be that the retailer does not use Verified by Visa and Mastercard® SecureCode yet but you will still be able to purchase at these retailers. Simply follow the retailer's normal checkout process.