The Halifax has sent an e-mail today to state it will shortly be introducing a "Chip 'n Pin" style feature when using its Visa Debit Card online, only in this case it will be a password rather than a number.
It's been tagged Halifax Secure and is in addition to the current online fraud guarantee protection if you use online banking.
I was rather puzzled when I received that email as Ebuyer have been utilising Halifax secure verification on Visa purchases since at least June 2005[I know this as that's the date I created a Roboform pass for it].
Different companies (I assume). My particular Halifax debit card has been Switch for many years but, to my surprise, the latest new card is Visa backed and, in addition, doesn't expire until 2009 rather than 2007.
Solo is operated by Switch Card Services Ltd; Visa Electron has a agreed spending limit IIRC and is mostly for younger customers.
My Halifax debit card is also Visa backed and was issued in September 2004[replacing Switch at that time], which is why I couldn't see why they didn't apply Halifax Secure to both credit and debit cards at the same time.
The take up by traders for the verification on the credit visa seems to be very patchy - I can only think of four firms I've come across that utilise it.
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