Frequently Asked Questions

 

Get further details about Verified by Visa. Use the links below to jump to specific topic areas, or scroll down the page to review the full list of questions and answers. To get your Visa Debit Card verified, click here. (https://www.securesuite.net/elan/registration/welcome.jsp?partner=729776)

 

What is Verified by Visa?

The Verified by Visa service is an innovative service provided by West Plains Bank and Trust Company offering secure Internet shopping, using your preferred form of Internet payment - Visa debit or credit card. The Verified by Visa service lets you add a personal password to your existing card, getting added security and the reassurance that only you can use your card online.

 

How does Verified by Visa work?

When you purchase online, the Verified by Visa issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal password and click "Submit" to proceed with the purchase. Without your password, the purchase cannot take place.

 

How does Verified by Visa protect me?

Since your card is protected by your personal password, only you can use your card online.

 

Will I need to apply for a new card to use Verified by Visa?

No. You will be able to use any of your existing West Plains Bank and Trust Company Visa cards.

 

When will my account be billed for Verified by Visa purchases?

Your account will be billed on the same date it is billed today.

 

Where can I use the Verified by Visa service?

Many merchants are already a part of the Verified by Visa service, and more merchants are signing up!

 

What are the system requirements for Verified by Visa?

Verified by Visa requires the use of Windows Microsoft® Internet Explorer 5.5, 6.0 (including 6.0 on XP SP2), 7.0 and 8.0, Windows Netscape® 7.2, Windows AOL ® 9, Windows Firefox® 1.0, 2.0 and 3.0, Opera® 9.5 and Macintosh Safari®.

 

What happens when my West Plains Bank and Trust Company card expires?

When you are re-issued a new West Plains Bank and Trust Company card, with the same account number, the Verified by Visa service is automatically updated with the new card information. You do not need to re-register in the service.

 

What happens if I cancel my West Plains Bank and Trust Company Visa card and then get a new one with a different account number?

You will need to register the new card for the Verified by Visa service.

  

Registration

 

What cards can I register with Verified by Visa?

You can register any of your existing West Plains Bank and Trust Company Visa cards.

 

How many cards can I register with Verified by Visa?

There is no limit to the number of cards you register - you are welcome to register all of them. You can register any or all of your cards in a single registration process.

 

Can two people with a joint account use the same password or should they register for Verified by Visa separately?

Cardholders using the same card should register once for the Verified by Visa service.

 

 Why do I have to supply personal information during registration?

The personal information you are supplying is used as a security measure to make sure you are the real cardholder. The information you supply is verified against your card data stored in the West Plains Bank and Trust Company database. In addition, you will be asked to supply answers to some secret questions. This information will be used in case you forget your Verified by Visa service password.

 

Why am I required to supply my email during registration?

Your email will only be used for important notifications by West Plains Bank and Trust Company, and in full accordance with the privacy policy and the terms of service.

 

Can I use the same password for all of my West Plains Bank and Trust Company cards?

Yes. When you register for the Verified by Visa service you will enter your account number and select a password. This will be valid for any of the cards you have registered. You must select a password between 8-24 characters, which includes at least one number and one letter. You may not use passwords that you have used in the past. We recommend that you select a password that will be easy for you to remember and difficult for others to guess.

 

What is a Personal Message?

The Personal Message is a text message (6-30 characters long) that you select during registration. This text should be personal, however not secret. Each time a Verified by Visa receipt will be presented to you by West Plains Bank and Trust Company, you should look for the Personal Message - it proves it is a genuine receipt. Please note - you cannot select a Personal Message that will be identical to the password. Your password must be kept secret, while the Personal Message is openly displayed on the receipt.

 

What is the Signature Panel Code?

The Signature Panel Code is the last three digits that appear on the back of your card, on the signature panel. It is used as an extra security measure to make sure you are in the possession of the card you are registering.

 

What do I do if I have problems during the registration process?

Contact us at 417-256-2147, Monday through Friday 8:00 AM - 5:00 PM Central Standard Time. We will be happy to assist you with any problems and answer any questions you may have.

 

Shopping with Verified by Visa service

 

How do I shop with the Verified by Visa service?

When you purchase online, the Verified by Visa service issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You enter your personal Verified by Visa password and click "Submit" to proceed with the purchase. When you shop online with your West Plains Bank and Trust Company Visa card, the Verified by Visa service will automatically be active at participating merchants.

 

How soon after completing my online registration can I begin to use the Verified by Visa service to make online purchases?

You can start to use the Verified by Visa service immediately after you complete the registration process.

 

What should I do if I purchase online but the Verified by Visa receipt does not appear?

First, check to make sure that the card you used for the purchase is one that you have registered with the West Plains Bank and Trust Company in the Verified by Visa service. Second, determine whether the merchant is a participating merchants. If the merchant is participating in Verified by Visa and you are using the right card, contact the merchant's customer service center.

 

Can I purchase at merchants that do not participate in the Verified by Visa service?

Yes. However you will not be able to use the Verified by Visa service. To complete the purchase at such merchants, simply follow the regular checkout process.

 

Where can I view the history of my Verified by Visa purchases?

You can view your Receipt History by logging in to the Personal Account Manager.

 

I forgot my password. What should I do?

If you forgot your password, select the Forgot your password, click here link that appears on the receipt. In the following page, re-enter your identifying details. You will then be able to select a new password.

 

I don't see my Personal Message on the receipt. What should I do?

Always look for your Personal Message before signing the receipt. If your Personal Message does not appear on the receipt, please do not sign it and contact your customer or member service personnel.

 

The Personal Message on the receipt is not mine. What should I do?

Always look for your Personal Message before signing the receipt. If a Personal Message other than yours appears on the receipt, please do not sign it and contact your customer or member service personnel.

  

The Personal Account Manager

  

What is the Personal Account Manager?

The Personal Account Manager is a special service offered by West Plains Bank and Trust Company, which helps you trace the receipts of your Verified by Visa purchases. In addition, it enables you to change your account settings: change your e-mail address, password, and Personal Message.

 

Can I view the details of my online purchases?

Yes. When you make a purchase using the Verified by Visa service, your purchase is recorded. You may review your previous receipts online through the Personal Account Manager feature.

 

How do I access the Personal Account Manager?

You can access the Personal Account Manager through the West Plains Bank and Trust Company Verified by Visa web site. We also recommend that you add it to your favorites or bookmarks.

 

I am trying to login to the Personal Account Manager but I forgot my password. What should I do?

If you forgot your password, select the Forgot your password? link that appears on the Personal Account Manager login. In the following page, type your Card Number, and then enter the registration information. You'll then be able to select a new password.

 

How do I change my password?

In the Personal Account Manager, access Manage Your Profile, and select Change your password. You will be required to enter the old password, select a new password and retype it for verification. You must select a password between 8-24 characters, which includes at least one number and one letter. You may not use passwords that you have used in the past. We recommend that you select a password that will be easy for you to remember and difficult for others to guess. You may also contact customer or member service to change your password.

 

How do I change my Personal Message?

In the Personal Account Manager, access Manage Your Profile, and select Change your Personal Message. Your old Personal Message will be presented, and you will be able to select a new Personal Message (6-30 characters long). Please note that your Personal Message must not resemble your password. You may also contact customer or member service to change your Personal Message.

 

How do I update my email address?

Your email address is used for important notifications regarding the Verified by Visa service from West Plains Bank and Trust Company. It is therefore important that you keep the email address in the Verified by Visa service updated. In the Personal Account Manager, access Manage Your Profile, and select Update your email. Your old email will be presented, and you will be able to enter a new one. You may also contact customer or member service to update your e-mail.