Visa Checkout

Simplify the way you make your online purchases by enrolling your NBT Bank Debit Card in Visa Checkout. This service securely stores your card information allowing you to complete an online purchase with a participating retailer quickly and easily. Simply look for the Visa Checkout icon on the checkout page and enter your username and password to bypass having to enter all of your payment and shipping information at checkout. Visa Checkout is the simple and secure way to help you enjoy your online shopping experience.

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Popular Questions

What is Visa Checkout?

Visa Checkout makes online shopping more enjoyable by making it easy to complete your purchase. Simply enter your username and password and speed through your online shopping experiences with a single account that can be used across all your devices. No need to re-enter your card number or address. And you can store and use any major credit or debit card.

Some benefits of Visa Checkout include:

Reducing the number of payment screens to just two, eliminating the need to reenter shipping and billing addresses
Offering a consistent, simple experience across desktop, mobile web and apps
Offering an experience which never requires shoppers to leave the merchant's website to complete a purchase
Offering the option to pay with any major debit or credit card
For more information about Visa Checkout, visit: www.visacheckout.com

How do I add an address to my Visa Checkout account?

To add an address, follow these steps:

Sign into your Visa Checkout account
Click the "Address Book" tab
Click the "Add an address" link
Enter the address details in the provided fields. If the address is the one you most frequently use, you can check the "This is my default shipping address" box. Your default address is automatically selected for you when you pay with Visa Checkout
Click "Save address"

How do I add a card into my Visa Checkout account?

You can add Visa, MasterCard, American Express or Discover credit or debit cards to your Visa Checkout account. Your cards will be saved in your account so checking out at sites that accept Visa Checkout is fast, safe and secure. To add a card to your account:

Sign into your Visa Checkout account
Click the "Payment Methods" tab
Click the "Add a payment method" link
Enter your payment information in the provided fields
Click "Save."

I received an error message "The information you entered does not match the information on record." when attempting to add a card to my Visa Checkout account. What can I do to resolve this problem?

Visa Checkout cannot add your card to your Visa Checkout account if the billing information you entered does not match the billing information associated with your card. Please verify that you have correctly entered the required card information, and that the billing address matches the card information on file with NBT Bank.

I received an error message "You have exceeded the maximum allowed attempts to add or edit a payment method. Please try again after 24 hours." What can I do to resolve this problem?

To prevent unauthorized access to card information, Visa Checkout stops multiple attempts to add a card to your payment methods with incorrect information. You are not allowed to add a payment method to your account or complete a transaction for 24 hours after receiving this message.

What is the Address Book in Visa Checkout?

The Address Book in your Visa Checkout account lets you securely store addresses in your account, and it lets you easily select shipping addresses while you shop. You can also designate a default shipping address, which helps you check out even faster when you frequently ship to a particular address.

I enrolled in Visa Checkout through NBT Bank. Will my payment methods automatically be updated on my behalf?

No, your NBT Bank payment information will not automatically update within Visa Checkout.

Why does Visa require a billing address when I add a payment method to my account?

The billing address is required to confirm the address matches the card information on file with NBT Bank prior to making a purchase with your Visa Checkout account. This also enables you to shop without sharing card account information with the seller when you pay.

Can the same credit or debit card be added to two different Visa Checkout accounts (e.g. can a husband and wife who share the same account number add the card to each individual's Visa Checkout account)?

Yes, the same credit or debit card can be added to two different Visa Checkout accounts.

Should the card image displayed on my payment method match my physical card branding within Visa Checkout?

NBT Bank will display a standardized card image within Visa Checkout that may or may not match the design seen on your physical NBT Bank card. This will not impact your ability to use Visa Checkout.

How do I change my Visa Checkout password?

You can change your password by signing into your Visa Checkout account and selecting the "Account Settings" link and then the "Account Information" link.

When I was enrolling in Visa Checkout through NBT Bank, incorrect personal information was pre-populated. May I change the information?

Yes, you may correct the information that has been pre-populated.

How do I change my answers to my Visa Checkout security questions?

You can change your security question answers by signing into your Visa Checkout account and selecting the "Account Settings" link and then selecting "Account Information" link. Select option "Edit Security Questions".

Once my Visa Checkout account is created, can I change my user ID email or phone number?

No. If you wish to change your email or phone number you must set up a new account and re-add all your profile information, including billing address and payment cards. We also recommend that you close your original account by visiting the Visa Checkout homepage, clicking on Customer Support and then Troubleshooting. Find the "Problem with your Account" section and follow process to close your account.

How do I close my Visa Checkout account?

You can close your account by signing into your Visa Checkout account and selecting the "Customer Support" link and then clicking on "more" under the "Troubleshooting" section. Then click on "Problem with your account", then go the "Close account" section.

How do I confirm my mobile number in Visa Checkout?

You can confirm your mobile number by signing into your Visa Checkout account, click "Account Settings" and then click the "Confirm Mobile". Click on the "Send Code" button and a code will be sent to your mobile number via SMS. Enter the code sent to your mobile phone at the "Account Setting" link to complete confirming your mobile number.

How is consumer information protected in Visa Checkout?

Visa has a wealth of experience in handling sensitive information. Visa uses advanced security technologies to help protect your information, including industry standard encryption and multilayer authentication.

How do I contact Visa with any questions regarding Visa Checkout?

If you have questions about your Visa Checkout account, please contact Visa Checkout support at support@mail.visa.checkout.com or call 1-855-847-2032, then enter your access code or press number 1 (24x7 except Christmas and New Year's Day).

Is there a cost to participate or fee to use Visa Checkout?

No, there is no cost to participate or fee to use Visa Checkout.

How can I contact Visa Checkout customer support?

For questions regarding your Visa Checkout account, please contact Visa Checkout support at support@mail.checkout.visa.com or call 1-855-847-2032, then enter your access code or press number 1 (24x7, except Christmas and New Year's Day).

If calling from outside of the US or Canada, customers can call 303-967-1041, then enter your access code or press number 1. **International calling rates may apply.

I wish to dispute a transaction I made using my Visa Checkout account. What should I do?

If you wish to dispute a transaction you made with your Visa Checkout account, contact the merchant directly to attempt to rectify the situation.

I currently receive email notifications whenever I add or edit certain Visa Checkout account settings (e.g., add or edit shipping address; add or edit payment method; edit Alerts settings). Why does Visa send me these email notifications?

Visa is committed to maintaining the highest standard of security and privacy with your Visa Checkout account information. Visa notifies you of changes to your Visa Checkout account as an added level of security to help protect you should someone else attempt to take control of your account. Visa does not allow customers to stop receiving these notifications to ensure we maintain the highest standard of security and privacy with your Visa Checkout account information.

Can Visa or NBT Bank enroll me in Visa Checkout on my behalf?

No, neither Visa nor NBT Bank are able to enroll you on your behalf.

How do I pay with Visa Checkout?

When you're shopping online at merchants that accept Visa Checkout, you'll see a "Checkout with Visa Checkout" button at checkout. Once you have created a Visa Checkout account, all you need to do to pay at these sites is sign in with your email address and password.

Will NBT Bank or Visa close my Visa Checkout account after a period of time if there is no activity?

At this time, neither NBT Bank nor Visa Checkout currently closes Visa Checkout accounts that are inactive.

What information do I need to enter to create a Visa Checkout account?

You must enter your first name, last name, valid email address, phone number (optional) and create a password to set up your Visa Checkout account.

If I sign up for Visa Checkout at one merchant can it be used at other merchants?

Yes, after you enroll in Visa Checkout, you can use it at any online store where you see Visa Checkout.

I was enrolling in Visa Checkout during merchant checkout and I had a problem with my internet connection. I'm not sure if my order with the merchant was successful. What should I do?

Contact the merchant directly to ensure your order was successfully processed.

What if my mobile number is already in use when trying to sign up for Visa Checkout?

If you are attempting to enroll with your mobile number and receive a message "The mobile number is already linked to a Visa Checkout account", you may reclaim the mobile number if you didn't create that account. Reclaiming your mobile number will close the Visa Checkout account associated with the mobile number and allow you to create a new account. Use the "claim this account" link and Visa Checkout will send instructions to your mobile number via SMS which includes a reclaim code which will expire within 5 minutes of it being sent.

Can my email address or mobile number be used to create more than one Visa Checkout account?

No, once an email address or mobile number is used to create a Visa Checkout account, it can't be linked to or used again to create a different Visa Checkout account.

Can the Visa Checkout account hold all of my payment methods?

The Visa Checkout account can accommodate the number of cards that any typical consumer carries.

I made a mistake on my order when making a purchase at an online merchant using my Visa Checkout account. What should I do?

Contact the merchant directly to verify your order or make any changes.

What are the minimum Visa Checkout password requirements?

To meet the minimum requirements, a Visa Checkout password must:

Have at least 6 (six) characters and a maximum of 32 characters
Not be the same as 5 (five) consecutive characters of the user ID
Passwords are case sensitive and allow for these special characters: ! @ # $ % ^ & * ?
Cannot contain any spaces or any repeating 3 (three) characters

I received a decline when I was paying for an online purchase using my Visa Checkout account. What should I do?

If you received a decline message while shopping online using your Visa Checkout account, please contact NBT Bank customer service at 1-800-628-2265.

How do I edit a Payment Method nickname?

You can edit the Payment Method nickname by following these steps:

Go to the Payment Methods tab and select the payment method you want to edit
Click the "Edit" button and change the nickname
Click "Save Changes" to save the change

Why does Visa require a phone number when I add a payment method to my Visa Checkout account?

In some situations, a merchant may need to contact you to complete your purchase order. Visa Checkout makes this information available to the merchant should a problem with your purchase require the merchant to contact you.

What kind of payment methods can I add to my Visa Checkout account?

Add Visa, MasterCard, American Express or Discover debit or credit cards to your Visa Checkout account.

Why does Visa provide an option to select one of my payment methods as my preferred payment method?

If you choose a preferred payment method when adding a card to your Visa Checkout account, this card will automatically be selected when you checkout using Visa Checkout as your payment option. You can still change your payment method for any given transaction even if you have set one method as preferred.

Can I add private label cards to my Visa Checkout account? (e.g., Macy's, Kohl's, Home Depot)

No, Visa Checkout does not allow private label cards to be added as a Payment Method in your Visa Checkout account.

Can I make a purchase using Visa Checkout, if my account is locked?

No, you are not able to use your Visa Checkout account for purchases during the time the account is locked.

What is the Remember Me Feature in Visa Checkout?

When selecting this option, your user ID will be auto-populated and you will only be required to enter your password to log in at a site or complete a purchase. This feature is available when logging into your account or merchant site from the same device. Additionally, your preferred payment option will be displayed during checkout.

If I forgot my Visa Checkout account password, what do I do?

Just click the "Forgot Password?" link on the sign in page on the Visa Checkout website. Visa Checkout will send instructions to your enrolled email address to reset your Visa Checkout password.

Why does Visa Checkout require me to answer a security question in certain situations?

Visa Checkout requires answers to security questions in order to validate your identity in some situations, such as when you log in from a new device or when you have forgotten your password.

I forgot to set up my security questions when I enrolled and have forgotten my password. How can I access my Visa Checkout account?

If you have forgotten your password or are unable to access your Visa Checkout Personal account, you can re-enroll in Visa Checkout by reclaiming your email address. To do so, follow these steps:

Fill out the enrollment form. You will then see a page informing you that your email address is already enrolled in Visa Checkout.
Click the "reclaim my email address" link.
Visa Checkout will send instructions to your email address. Follow those instructions to complete the process.

Reclaiming your email address will close your previous Visa Checkout account and allow you to enroll again with your email address. You must re-enter all your card and shipping information.

If you know your password and need to add security questions and responses to your account, log in to your Visa Checkout Personal account. Visa Checkout will prompt you to set up these responses from there.

How long before my Visa Checkout log in session expires due to inactivity?

Your Visa Checkout log in session expires after 8 minutes of inactivity.

What if I don't want to share my card information with Visa for Visa Checkout?

In order to make payments using your Visa Checkout account, you must enter and confirm your payment card information. Visa uses advanced security technologies to help protect your information, including industry standard encryption and multilayer authentication. When adding a payment method to your account, Visa asks for your billing address. The billing address is required to confirm the address matches the card information on file with prior to making a purchase with your Visa Checkout account.

How do I sign up for Visa Checkout?

To create a Visa Checkout account, just visit www.visacheckout.com and click "Create an Account." You'll be able to establish your initial profile, create your password and add payment methods & shipping addresses to your account.

You can also sign up for an account if you're shopping on a website that accepts Visa Checkout. When you see the Visa Checkout option, select it and follow the enrollment steps.

I've successfully enrolled, now what can I do with Visa Checkout?

Once you've created your Visa Checkout account, you can use it to complete purchases without re-entering your payment and shipping information on any online store where you see Visa Checkout. Simply enter your username and password, or just your password if utilizing the 'remember me' option.

Here's an overview of the things you can do in your account:

Add more payment methods
Edit card details
Remove a payment method
Set a default payment method and shipping address
Add frequently used shipping addresses

Where is Visa Checkout accepted?

A list of online stores currently accepting Visa Checkout can be found at www.visacheckout.com. Visa is continually adding to the list of online stores who accept Visa Checkout. Please check the home site periodically for the latest merchant information.

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