Understanding VBV and NON VBV in 2025
What’s VBV? VBV stands for Verified by Visa (MasterCard calls theirs SecureCode). It’s that 3D Secure layer most banks slap on cards to add an extra step—usually a password, OTP, or challenge question during checkout. ✅ Tied to the cardholder’s phone/email ✅ Most times requires OTP during checkout ❌ Slows down or blocks...