Visa Secure

Multi Factor Authentication (MFA) for business credit cards

BNZ Visa cards come with an extra layer of security called Visa Secure MFA. This helps prevent unauthorised use of your card when shopping online. When making an online transaction on a site protected by Visa Secure, you may be asked to confirm it’s you making the purchase. To complete the transaction, you’ll need to authenticate it.

To authenticate your online transaction, you’ll need to be fully set up. As you’re not fully set up, you’ll need to contact us, and we’ll guide you through the steps required to complete your transaction.

Contact us

Call us on 0800 275 269 (from within New Zealand) or +64 4 931 8394 (if calling from overseas) and we’ll help you get set up. We’re available between 8am-8pm Monday to Friday, and 9am-4pm Saturday, Sunday, and on public holidays. You can also visit us in branch.

Frequently asked questions

Getting set up

Why do I need my business credit card in the BNZ app?

Authentication requests through Visa Secure can only be completed in the BNZ app, even if you have other BNZ apps like the BNZ Mobile Banking for Business and FlexiPurchase. This helps to protect your company against fraud.

I don’t have my accounts with BNZ, what do I need to do?

You don’t need to have any personal accounts with BNZ to have your business credit card linked to the BNZ app.

Is there a fee for using Visa Secure MFA?

No, Visa Secure MFA is a free service provided by BNZ to protect your card.

What are the additional benefits of having my business credit card in BNZ app?

There are many benefits to having your business credit card in the BNZ app. It gives you better visibility and control of your payments by allowing you to:

• activate your new or reissued card, at a time and place that suits you
• manage your PIN
• provide us notifications on when you’re travelling
• view your payments and available balances
• manage your card controls (turn on/off international payments, PayWave payments, online payments and turn on/off ATM transactions (if the card has been enabled for ATM transactions))
• request a replacement card if it’s lost or damaged easily.

Plus, we’ll continue to release more functionality within the BNZ app. By having your card linked to the BNZ app, you’ll have access to these new features as they become available.

Security

After I’m set up, how do I authenticate my online transaction?

After submitting a transaction, you may receive a pop up asking you to authenticate it. Once your card is correctly set up with us, you’ll be able to authenticate your online transactions using the BNZ app.

1. When prompted, open the BNZ app.
2. Check that the transaction details and amount are correct.
3. Confirm your transaction by tapping Yes, it’s me. If the transaction details aren’t what you expected, tap No, don’t allow. You have three minutes to respond to the prompt message.

If you can’t confirm it’s you in the BNZ app, your transaction won’t be processed.

Why would I see a BNZ authentication screen?

There are several reasons why this screen may appear, for example if your card was used for a large or uncharacteristic transaction. This will only happen when making online transactions at Visa Secure participating merchants. It’s another way to help keep your cards safe.

What do I do if I’ve locked my card?

If your card is locked, you won’t be able to use it to buy from websites that use Visa Secure MFA . To unlock your card, you’ll need to call us on 0800 275 269.

Is Visa Secure MFA different from my CVV code?

Yes, the 3-digit CVV on the back of your card is one layer of security. Visa Secure MFA is a second layer that happens after you’ve entered your 3-digit CVV.

Managing my card in the BNZ app

Once my business credit card is added to the BNZ app, can my employer view my personal accounts?

No, your employer can’t view or access your personal banking.

Once my business credit card is loaded to the BNZ app, does this change who is responsible for paying the card?

No, the employer is still responsible for paying for the card.

Can my employer manage my business credit card in my BNZ app?

No, your business credit card will be linked to your profile in the BNZ app. Only you have access to your profile.

What if I don’t want to see my business credit card with my personal accounts in the BNZ app?

You can hide your business credit card if you don’t want it to appear on your accounts screen in the BNZ app. You’ll still be able to authenticate online transactions if your business credit card is hidden.

1. Log in to the BNZ app.
2. Select the menu icon (three horizontal lines in top left corner).
3. Select Settings.
4. Select Reorder or hide accounts.
5. Select the toggle next to an account to hide it.
6. Select Save.
7. Your account is now hidden on the main accounts screen.

Your business credit card will still appear in Internet Banking. To unhide the account, repeat these steps, select the toggle again and save. You can also hide accounts by selecting the three dots in the top right corner of the accounts screen.