What is a Personal Assurance Message or Personal Message?
When you register for Verified by Visa/Master Secure code, your issuer may ask you to create a Personal Assurance Message or Personal Message. When you pay online, always look for this Personal Assurance Message or Personal Message – it is your assurance that it is your card issuer that is authenticating you. The Personal Assurance Message is created by you during the activation process, and will be displayed back to you when you are prompted for your password during VBV / MSC Service password verification at checkout. The Personal Assurance Message was designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing Internet users in order to gain access to personal financial information. So when the VBV / MSC Service password window prompt includes your Personal Assurance Message, that gives you more assurance that it is actually your card issuing Bank VBV / MSC Service asking you for your password, and not someone else masquerading as your Bank VBV / MSC
