Visa Card Security

24/7 Intelligent Fraud Protection

Horizon Bank uses Intelligent Fraud Protection to protect your card 24 hours a day, 7 days a week. This service continuously watches for unfamiliar transactions on your card, suspect transactions like a purchase made in different parts of the world at the same time or unusual spending activity.

A major benefit is that this system identifies emerging trends and is able to respond immediately to block transactions, thereby reducing card fraud incidences.

The system’s call centre is based in Australia, run by qualified, experienced and specialist staff. If a transaction is deemed suspicious, the security team will attempt to contact the cardholder by phone (between the hours of 7am and 10pm) or use 2-way SMS to verify the transaction and if needed, stop the card.  If we cannot contact our member or if the member is suspicious of the call, the team may place  temporary block on the card until contact is made at the member’s local branch.