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Vectra Bank offers our cardholders several digital payment options, so you can enjoy the one that’s right for you. As a digital payment customer, you can experience a simple, personal and convenient way to pay every day.
A digital payment refers to the use of a completely electronic transaction between the buyer and seller, replacing the use of exchanging cash, checks or physically swiping or inserting a card.
Digital payments are an increasingly popular way to pay for both goods and services. Customers that use digital payments enjoy the convenience of having payment capability easily available, as well as payment simplicity.
Here are some example scenarios:
The technology behind digital payments has developed with increased security in mind. A key technology is tokenization. Tokenization is a process that replaces the primary account number with a one–time value called a token. A token is only good for that one transaction. If that token was stolen, it would be meaningless for any other transaction.
Not all merchants can process digital payments today. However, as merchants further adopt the technology needed to process digital payments, this payment method will continue to grow making digital payments more ubiquitous.
There is no cost[cite::152::cite] to enable your Vectra Bank debit or credit cards for digital payments.
Understanding Digital Payment Security
As a Vectra Bank cardholder, you receive the same great services even when making digital payments.
24/7 Fraud Monitoring
We’re always monitoring your account for suspicious activity and will attempt to contact you if we see something unusual. To ensure the best possible service, please maintain accurate contact information with the bank. To check to see if your information is up–to–date, log in to Online Banking or call 888–758–5349.
With Zero Liability you can shop with confidence, knowing you will not be held liable for any unauthorized purchases made with your card or account information. Learn more here.
Keep close track of purchases made with your card. Card Alerts are a one–way text communication that sends you notifications based on criteria you select. With Card Alerts, you have near real–time visibility of signature-based purchases via notifications sent to your mobile device or by email. Learn more about free enrollment here.
Mobile Card Fraud Alerts[cite::129::cite]
Register for our Mobile Card Fraud Alert service to receive a text message any time we see a potentially fraudulent transaction on your account. Learn more about free enrollment here.
The Vectra Bank Premium Credit cards offer exciting, powerful new ways to earn travel rewards and elevate the way you travel. Opt to earn cash back, or choose points and repay yourself for any purchases made in the last 90 days. All Vectra Bank travel cards also include a full suite of travel benefits, upgrades and perks.