Overview

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 certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

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

Important things to note

Visa's Zero Liability Policy requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit transaction within five business days of notification. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.

If you experience unauthorized transactions, notify your financial institution immediately. Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing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.

Learn about Visa cards

Find the right card for you.

Learn about Visa cards

Protected by Visa Security

See how to keep your transactions and personal information safe.

Learn about Visa Security