Visa's Zero Liability Policy
lets you shop with confidence.

Visa's Zero Liability* Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.

Visa's Zero Liability Policy does not apply to Visa corporate or Visa purchasing card or account transactions, or any transactions that are not processed by Visa. For specific restrictions, limitations and other details, please consult your issuer.

Visa's Zero Liability Policy introduction

How it works:

1. Shop worry-free

Use your Visa credit or debit card to make purchases at millions of locations.

2. Report suspicious charges immediately

Review your monthly statement and immediately report any unauthorized charges to your financial institution.

3. Get quick resolution

Once you have reported an unauthorized transaction covered by Visa's Zero Liability Policy, your financial institution will investigate so you can have the issue corrected quickly.

Important things to note:

If the unauthorized transaction involves your debit card or account, Visa's Zero Liability Policy requires issuers to replace any funds taken from your account as the result of an unauthorized debit transaction within 5 business days of notification.

In the event you experience unauthorized transactions:

  • Notify your financial institution immediately of any unauthorized use
  • Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on the following:
    • Gross negligence or fraud
    • Delay in reporting unauthorized use
    • Investigation and verification of claim
    • Account standing and history
  • The transaction-at-issue must be posted to your account before replacement funds may be issued

For specific restrictions, limitations and other details, please consult your issuer.

How it works:

1. Shop worry-free

Use your Visa credit or debit card to make purchases at millions of locations.

2. Report suspicious charges immediately

Review your monthly statement and immediately report any unauthorized charges to your financial institution.

3. Get quick resolution

Once you have reported an unauthorized transaction covered by Visa's Zero Liability Policy, your financial institution will investigate so you can have the issue corrected quickly.

Important things to note:

If the unauthorized transaction involves your debit card or account, Visa's Zero Liability Policy requires issuers to replace any funds taken from your account as the result of an unauthorized debit transaction within 5 business days of notification.

In the event you experience unauthorized transactions:

  • Notify your financial institution immediately of any unauthorized use
  • Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on the following:
    • Gross negligence or fraud
    • Delay in reporting unauthorized use
    • Investigation and verification of claim
    • Account standing and history
  • The transaction-at-issue must be posted to your account before replacement funds may be issued

For specific restrictions, limitations and other details, please consult your issuer.

*Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.