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Visa Secure and eftpos Secure

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Secure online purchasing with enhanced protection from Visa Secure and eftpos Secure

Visa Secure and eftpos Secure are collaborating with participating merchants and issuers to further enhance protection against unauthorised use of Visa cards, reduce instances of fraud and make online shopping more secure.

Visa Secure and eftpos Secure are 3D secure free services available to Macquarie Credit Union Members with Visa Debit and Visa 55 Credit Cards.

Visa Secure and eftpos Secure are 3D secure fraud prevention measures to add an additional layer of security and will indicate if you are shopping with a participating Visa Secure or eftpos Secure merchant. When shopping online on a participating merchant’s site, Visa Secure and eftpos Secure will help to ensure purchases are made by the rightful owner of the Visa account. Visa Secure and eftpos Secure checks can occur behind the scenes, but you may be prompted to provide additional information to verify the transaction.

How does it work?

Each time you make an online purchase with a participating merchant, the Visa Secure and eftpos Secure programmes assesses the risk level of the transaction. Certain activity may seem out of the ordinary - maybe because it’s a high dollar value transaction or a retailer you’ve never bought with before. In these instances you may be asked to confirm some personal details or for a SMS One-Time Password (OTP). This information is only used to verify your identity, so the card cannot be used without your permission. Please note: You will never be asked for your card number or your Personal Identification Number (PIN).

SMS One-Time Password (OTP)

A One-Time Password (OTP) SMS authorisation request may appear when you are completing online shopping transactions. This is an additional Visa Secure and eftpos Secure setting protecting your account from unauthorised usage. Should you encounter a One-Time Password (OTP) request simply follow the instructions on your screen to verify your identity and complete your transaction.

For members to receive a One-Time Password (OTP) SMS to verify their Visa Secure online purchases, it is important that your mobile number and personal information held by Macquarie Credit Union is up to date. Members are encouraged to confirm their contact details by calling 1300 885 480. Members can also update contact information within your secure Internet Banking login.


What is Visa Secure and eftpos Secure?

Visa Secure and eftpos Secure are online services designed to make internet transactions safer at participating merchants through the authentication of the cardholder’s identity at the time of purchase. They provide reassurance to both you, the cardholder, and to the merchant that you are each engaging in a genuine transaction. All existing, renewal and new Macquarie Credit Union Visa cards are automatically registered for these free services.

How do I register my Visa card?

You do not need to do anything, all existing, renewal and new Visa cards are automatically registered for these free services.

How do you know Visa Secure and eftpos Secure is available?

Look for the symbols as a sign that the merchants value your business and your security. Throughout the world a growing number of merchants are offering Visa Secure and eftpos Secure.

Visa Secure logoEfspost Secure logo

What should I do if I lose my card (or if it’s stolen)?

Contact us immediately on 1800 648 027.


For more information on Visa Secure and eftpos Secure, contact us on 1300 885 480 during business hours or click to