Visa Secure and eftpos Secure

What is Visa Secure and eftpos Secure? 

Visa Secure and eftpos Secure provide an extra layer of authentication to your online purchases from participating businesses.

Each time you make an online purchase with a participating business, Visa Secure or eftpos Secure will check the transaction. If it seems out of the ordinary, you may be guided through an additional check to verify your identity. This may be because you're making a high dollar value transaction, or purchasing from a business you’ve never bought with before.

Visa Secure is available on all Heritage cards and eftpos Secure is now available on debit cards.

If a business participates in Visa Secure or eftpos Secure and your purchase requires additional verification, a pop-up window will be displayed during your checkout.

You'll see the details of your transaction and a field to enter a One Time Password. The code will be sent to the mobile number registered on your Heritage account.

Once you receive the code, type this into the One Time Password field, and press submit. The code will be verified and your payment will be authorised.

Stay scam aware

Never disclose your code or One Time Password to anyone, including your bank. This includes over the phone, by SMS or email. If you're unsure about the legitimacy of a request for a one-time code from Heritage, you can call us to check on 13 14 22.

1. You must keep your code and password secret
   Never disclose your code or One Time Password to anyone, including your bank. This includes over the phone, by SMS or email. If you're unsure about the legitimacy of a request for a One Time Password or code from Heritage, you can call us to check.


2. Don't hesitate, report scams 24/7
   If you suspect that you've fallen victim to a scam or if any unusual activity has occurred on your accounts, including while using Heritage Online or your Mobile Banking App, contact us immediately. Our team is available 24/7 and will work quickly to protect your account.
   
   
3. If it seems to good too be true, it probably is
   Compare products and prices before you buy. Be wary if the price of an item is lower than normal or if a service is offering something that seems to good to be true. Always do your research.
   
   
4. Protect your card details 
   Only give your card details when making purchases you have initiated with a trusted business. Do not provide them for any other reason.
   
   
5. Check delivery and return policies 
   Before completing an online transaction, read the delivery and return policies on the online store’s home page. Find out if you can return items and who bears the cost.
   
   
6. Keep a record of your transactions 
   Keep a record of your transactions - just in case you need to return an item or have a question about your purchase.
   
   
7. Beware of unusual payment methods
   Scammers often ask for payment by wire transfers, preloaded cards and even Google Play, Steam, or iTunes gift cards and cryptocurrency. These are nearly always a sign that it is part of a scam.


8. Get Scam Savvy
   Read our brochure on The golden rules to protect yourself from scams and fraud.