How do you verify credit card numbers with Visa?


Quick Answer

Visa credit cards are verified by contacting the Visa merchant verification service at 1-800-847-2750, explains MerchantConnect. Merchants can choose option one or option two, depending on information needed. As of 2015, Visa credit card verification services are provided by companies such as Experian.

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Full Answer

Merchants calling the automated Visa merchant verification service verify the address associated with a credit card by entering the numerical portion of the address and the zip code, notes MerchantConnect. Merchants look up the phone number of the card's issuing bank by choosing option two and entering the card number.

Experian provides merchants using its service with real-time credit card verification, which automatically checks a consumer's identity and card activity after verifying the card number, according to Experian. Verification services include reporting on cards that are lost, stolen or associated with closed accounts. Visa credit cards are manually identified by checking the first digit, which starts with a four, and number length; Visa numbers contain 13 or 16 digits, states CyberSource.

Visa credit cards include a three-digit security code that is sometimes needed for purchases made online or by phone, says Visa. The company monitors credit card abuse through its state-of-the-art fraud detection service, responding quickly to fraudulent activity.

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