The cards require pin codes when used in local stores or at ATMs. For online purchases, the process is very similar but cardholders use unique codes every time, rather than the same one. The code is sent by text message and it definitely makes online payments safer. Even if the card information gets compromised, online transactions are not possible without access to the registered phone for the codes. Visa doesn't hold the owner of a card accountable for unauthorized transactions in case the card is lost or stolen. In most cases, the funds will be returned once everything has been cleared out, but this can depend on the banking institution and its own policies. Free notifications can be provided for every transaction, locally or online. With this feature, the user can use a unique token that represents the card, rather than enter the actual card information on the site.
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