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Let’s see what VBV / NON VBV / MSC is VBV (Verified by Visa) Additional verification process initially added by visa, different types of authentication are used including password, date of birth, social security number or mother’s maiden name. Sending OTP to CC owner’s phone number or need secret password for any transaction made. NON VBV (Verified by Visa) Easy to use. No need more info on CC like DOB, SSN, MMN. Also no need for OTP during the transaction .