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Visa Security Program

Visa’s multiple layers of cardholder protection give you an extraordinary level of security, so you can feel confident no matter how you use your Visa card.

Zero Liability

It’s simple. Shop online and off with absolutely no risk for unauthorized purchases. When you use your Visa card to shop online, in a store, or anywhere, you’re protected from unauthorized use of your card or account information. With Visa’s Zero Liability policy1, your liability for unauthorized transactions is $0—promptly notify your financial institution and you pay nothing.

Verified by Visa

Visa provides reassurance that only you can use your Visa card online. All you have to do to get Verified by Visa is activate your card for this service and create your personal password. You’ll get the added confidence that your Visa card is safe when you shop at participating online stores.

Fraud Monitoring

Visa has highly sophisticated fraud-screening solutions in place designed to flag suspicious account activity. We work closely with technology companies and merchants, constantly searching for ways to enhance these efforts.

Identity Theft Assistance

We’ve taken steps to safeguard your identity. If you suspect that your identity has been stolen, call 1-866-ID-HOTLINE to get access to free and confidential assistance.

3-Digit Security Code

Is your Visa card in the right hands? On the back of every Visa card you’ll find a special 3-digit code (also called Cardholder Verification Value or CVV2), designed to provide an additional layer of Internet and telephone fraud protection. This code helps to ensure that the customer is actually in possession of the card.

Security Watch

Knowledge is one of the most effective forms of fraud prevention, and we’ve got the tools to keep you informed. From spyware to scams, Visa is committed to tracking the latest frauds—and showing you how to avoid becoming a victim.

1Visa's Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or click here.