Popular Topics

Apply for a Visa card

Visa does not issue Visa cards, our client financial institutions do. There are two ways you can find a secure Visa credit or debit card that is right for you: using the Visa Card Advisor and reviewing our list of card issuers.

Lost cards

If you’ve lost your card, call our Customer Assistance Center using one of our toll-free numbers. Within the United States, call (800) 847-2911.

Minimum Purchase

U.S. retailers may require a minimum purchase amount on credit card transactions. The minimum purchase amount must not exceed $10 and does not apply to transactions made with a debit card.

ATM locator

Visa has developed the Visa ATM locator to help you find an ATM that accepts your Visa card.

Careers

Visit our Careers section within this site.

 

Your Visa Card Account

Who do I ask for information about my account and transactions?

Visa does not retain any details of financial transactions that you may have undertaken using your Visa payment card — these are kept and managed by your Visa credit or debit card issuer.

To access your account information, please contact your Visa card issuer. You’ll find their address and/or telephone number on your Visa statement. The telephone number may also appear on the back of the card itself. You can also locate your card issuer and click through to their web site for more information.

How do I resolve unauthorized charges?

Your card issuer can help you resolve issues regarding unauthorized transactions. You’ll find their address and/or telephone number on your Visa statement. Their telephone number may also appear on the back of the card itself.

If you would like to learn more about services that Visa offers to add an extra level of protection to your Visa card, explore Security & Protection.

 

Expand All

Safety and Security

How will cardholders know that a new card is genuine?

As with the replacement of all Visa cards, those cards with the new design will be distributed by a Visa card issuer. All Visa products provide a convenient, reliable, safe and secure way to make purchases. For additional concerns about your Visa card, call your card issuer.

How will merchants know that a card with the new design is genuine?

Visa is working with financial institutions, merchants and law enforcement agencies worldwide to ensure that there is no confusion as the new card design is introduced.

Will the change make cardholders or merchants more vulnerable to payment fraud?

No. Visa is working with financial institutions, merchants and law enforcement agencies worldwide to ensure that there is no confusion as the new card design is introduced. As always, Visa has programs in place to help monitor fraudulent activity and alert cardholders to potentially fraudulent use. Visa will continue to offer cardholders extensive protection through multiple layers of security, so cardholders can feel confident and secure when they use their new Visa card.

I want to accept Visa at my business, how do I apply?

Visa does not set or service merchant accounts, but if you would like to accept Visa at your business, please contact a Visa Acquirer.

What should I know about email fraud?

Be aware of any email message that requests personal data—such as passwords, PINs, or your social security number—or sends you to a web site that asks for such information. These messages may involve the illegal practice of “spoofing,” or forging an email address to resemble another, legitimate address and business. Remember to never send personal information via an email. If you have received an email that spoofs Visa, please notify Visa of the specifics of the illegal email.

What should I know about phone fraud?

It’s important for consumers to know that Visa will not call or e-mail cardholders to request their personal account information. Visa call centers do not initiate outbound telemarketing calls. Consumers should not respond to any e-mails or phone calls with requests for any personal card information and are advised to immediately report the situation to local law enforcement as well as the financial institution that issued their card. Cardholders should also know that Visa’s zero liability* fraud policy ensures that they are not held responsible for any unauthorized purchases.

*Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.

 

Expand All

Account Holds and Account Alerts

What is a gas pump hold?

When you pay at the pump, some card issuers place a “hold” on their cardholders’ funds in anticipation of the final transaction amount, to help ensure their cardholders’ accounts do not become overdrawn. Gas merchants do not place account holds. If you have questions about a hold on your account related to a fuel purchase transaction, please contact your card issuer.


Gas Merchants Account Holds and Account Alerts:

Account deductions may not be applied immediately when the final amount isn't known. Visa has established these processes to protect Visa Debit card issuers, merchants and cardholders. This occurs most often when meeting consumer demand for payment conveniences, such as pay-at-the-pump fueling.

For example, if you use your Visa Debit card at a restaurant, your card may be authorized before the gratuity is applied. For these types of purchases, Visa Debit card issuers may earmark cardholder funds to cover the estimated cost of the transaction. This process, known as a “hold,” safeguards both cardholders and merchants. It ensures cardholders don't spend more money than they have and merchants are paid for the transaction. While most transactions have a hold of less than 24 hours, Visa protects cardholders by requiring issuers or financial institutions to remove all holds within 72 hours.

Q: When will an authorization hold on my card be removed?

A: While most transactions have a hold of less than 24 hours, Visa protects cardholders by requiring issuers or financial institutions to remove all holds within 72 hours or less.

Q: Sometimes when I get an email or text notification account alert why is the amount different from the amount I pumped at the gas station?

A: Some account alert amounts may not reflect the final amount - especially at merchants where the final amount isn’t known like restaurants and pay-at-the-pump fueling. The account alert amount may not be the final transaction amount that will post on your statement.

Q: When I view my bank account online, why is the amount showing different from the amount I pumped at the gas station?

A: Online statements may not immediately reflect the final transaction amount - especially at merchants where the final amount isn’t known at the time of authorization like restaurants and pay-at-the-pump fueling. Your online statement should reflect the final amount of the transaction by the next business day.

 

Expand All

Cards with Holographic Magnetic Stripes

What are the issues with cards that have a holographic magnetic stripe?

Visa has recently learned of an industry issue involving an infrequently occurring technical problem at the point of sale related to the use of payment cards with the new holographic magnetic stripe. The scale of the issue is very small in number in both acceptance incidents and impacted cards in market.

Visa has learned that technical problems have occurred when cards with holographic magnetic stripes are used in environments that have high levels of static electricity. In these instances, the static electricity can interfere with the normal card swipe operation and prevent an electronic transaction from taking place.

The problems, however, do impact acceptance and convenience – the cornerstone of Visa’s commitment to cardholders. Visa believes that any issue that impacts acceptance, no matter how rare or isolated, must be addressed.

To address this issue, Visa has recommended to financial institutions with holographic magnetic stripe cards already in market that they replace these cards as soon as is practical.

How can I tell if my card has a holographic magnetic stripe?

Recently, Visa introduced a new card design that included a holographic magnetic stripe on the back of the card. The new design incorporates a dove hologram above the signature panel, where doves appear in multiple colors when the card is moved from side to side. Click here to see a sample of the holographic magnetic stripe card.

What is causing the acceptance problems with cards that have a holographic magnetic stripe?

Based on information and reports received, it is clear that the probable cause of these problems is Electrostatic Discharge (ESD) resulting from a combination of factors including:

  • Low humidity at the point-of-sale, causing higher-than-normal electrostatic voltages
  • Point-of-sale equipment with a relatively low tolerance for ESD, usually at the magnetic read heads
  • Use of payment cards with holographic magnetic stripes, which have higher electrostatic conductivity than conventional magnetic stripes

What is Visa doing about this issue?

While the scale of the issue is very small, Visa treats any matter that impacts cardholder acceptance and convenience very seriously. Therefore, Visa has recommended to financial institutions with holographic magnetic stripe cards already in market that they replace these cards as soon as is practical.

Will I get a new card?

Visa has recommended to financial institutions with holographic magnetic stripe cards already in market that they replace these cards as soon as is practical. We are working closely with your financial institution to resolve this issue as quickly and make the process as easy as possible for you.

Can I continue using my card that has a holographic magnetic stripe? Will the card work?

Yes, continue to use your current card until your financial institution contacts you. The number of transactions impacted by this issue is very small. The vast majority of transactions made with holographic magnetic stripe cards are completed without any difficulty.

What should I do in the meantime?

There is no need for cardholders to do anything at this time. Your financial institution will contact you if your card will be replaced. Otherwise, you can continue to use your current card as you normally would. The vast majority of transactions made with holographic magnetic stripe cards are completed without any difficulty.

Has this problem occurred at ATMs, or is it limited to point-of-sale terminals?

The reported problems have only involved point-of-sale terminals. Currently, there are no reports of issues involving ATMs.

If I have a card with a holographic magnetic stripe and I experienced an acceptance problem, will my account be harmed?

No. The acceptance problems related to holographic magnetic stripe cards will not have any impact on your account.

Are there any safety issues with static discharge from holographic magnetic stripe cards?

Third-party laboratory testing indicates that cards with holographic magnetic stripe cards pose no safety concerns to cardholders.

 

Expand All

Visa Brand and Marketing

How do I contact Visa about sponsorship?

All sponsorship requests must be sent in writing to:

Event and Sponsorship Marketing Dept.
Visa USA
P.O. Box 8999
San Francisco, CA 94128-8999

What if I have an idea for Visa’s advertising?

Thank you very much for your interest in Visa’s advertising, but we are unable to accept unsolicited advertising ideas.

When is the Visa logo available for use?

As a service to authorized Visa card issuers and Visa merchants, Visa makes available electronic artwork of the Visa brand mark and links to Visa proprietary web sites. Only Visa card issuers and merchants are authorized to use Visa brand marks. If you are working for a Visa card issuer or Visa merchant, please visit our Marketing Center for Visa logo information and downloads.

What changes is Visa making to its logo and card design?

Visa is refreshing the famous blue, white, and gold Visa logo to give it a new look.

Why did Visa change its logo and card design?

Visa has grown from a credit card company to a payments company that offers a range of payment products and services. The new Visa logo and card design reflect the evolution of Visa.

When did the current Visa logo start appearing?

The current logo began appearing on Visa cards as well as in advertising, marketing, and online communications in January 2006. Visa cards and communications with the current Visa Brand Mark will coexist with cards and communications that feature the Visa Flag until June 30, 2011.

 

Expand All

More Information

Didn’t find what you were looking for? For all other inquiries, contact AskVisaUSA@visa.com. (For your security and protection, please DO NOT include your credit card details in any correspondence.)

If you’ve lost your card, call our Global Customer Assistance Center using one of our toll-free numbers. Within the United States, call (800) 847-2911.

You, your issuer, and your Visa card

The Visa card you carry has a few names on it.

  • Yours : on the card because it is your account and your card
  • Your issuer’s : they provide the financial support behind your card
  • Visa’s : we deliver the convenient and secure method of payment

Put simply, your issuer provides and tracks all your financial account data, while Visa provides you convenience, security, and peace of mind.

For more information contact your issuer, or call our Global Customer Assistance Center.

 
Questions for Your Card issuer

Your issuer, or the bank that provided you your Visa card, is able to answer most of your questions; some questions can only be answered by your issuer, like:

  • How do I pay my Visa card bill online?
  • How do I check my Visa card balance?
  • How do I redeem my rewards?
  • How do I dispute a charge?
Find your card issuer now 

Learn more about Visa and issuers