When you enrol your Visa card for payments on your mobile, your payment card information (including the 16-digit account number found on the front of your Visa card) is substituted by Visa and your card issuer with a virtual account number that can be securely stored on your mobile device - and passed to merchants to process transactions you make with your phone. By creating a unique virtual account number for your payment information, your name and full card details are never shown in the app and never shared with the store.
When using Visa on your mobile, your phone does not need to leave your hand, which puts you in control of the transaction. You can also add an extra layer of security by activating your mobile passcode.
Every transaction using Visa on your mobile is protected by multiple layers of security, just like any other Visa card transaction, such as real-time fraud monitoring - all transactions on mobile are processed through Visa’s global processing network, VisaNet, in exactly the same way traditional Visa cards are. Transactions are analysed in real-time and scored for their fraud potential. Visa is able to use a comprehensive view of the global payments system to identify fraud patterns and detect suspicious transactions right at the point of sale.