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The Visa card operates on the same basic principle as other credit cards.
In order to qualify for a Visa card and use it as an online transactional
tool at casino vendors, a user needs to submit an application which is then
approved by Visa. This requires credit assessments, and as such, is not a viable
payment method for gamblers who have poor credit ratings.
Once granted, the Visa card can be used at online casinos to conduct CNP
(Cardholder Not Present) transactions. This involves the user issuing his/her
credit card number, as well as the card's date of expiry and the last three
digits of the printed authentication code. The online vendor then, much the same
as land based transactions, awaits verification from a Visa institution, usually
a bank, that the transaction has been authorized. Once the card has been
accepted, the casino player account is credited.
The problem with Visa as a payment method however, is that banking
institutions, and not Visa themselves, often decline online credit card
transactions because of the CNP. Because the cardholder is not present, there is
no client signature, and the risk of unauthorized transactions is very real.
Even if deposits are accepted and concluded at Visa Casinos, the user should
carefully scrutinize the operator to ensure that personal and banking
information is protected by technologically advanced encryption devices, and
that their privacy policy prohibits them from the sharing of information. Whilst
credit card payments in general are fairly safe online, it is worthwhile doing a
little homework.
An alternative option, which generally encounters less difficulty in gaining
authorization, is to use a Visa debit card. It also ensures that the user is
gambling with his/her own money, as opposed to using credit.
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