What is the Zero Liability Policy all about?

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.

How do I dispute a charge that I didn’t make?

If you see an unauthorized transaction in your account, notify your financial institution immediately, by phone, email or mail. Once an unauthorized transaction is reported, your financial institution will investigate so you can have the issue corrected quickly. Please note that replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing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.

If my card got hacked or stolen and someone else used it will I be liable for the charges I didn’t make?

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.

When can I expect to get a refund for an unauthorized transaction?

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. 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 financial institution.

What are the advantages of Zero Liability protection?

If your account or account information is stolen or fraudulently used, Visa's Zero Liability Policy is our guarantee that you won't be held responsible for unauthorized charges made.

Can I speak to someone about unauthorized charges?

If you prefer to speak on the phone, please reach out to your financial institution with all the details of the transaction in question.

Visa’s Zero Liability Policy

What should you do if you suspect a fraudulent charge

While Visa’s Zero Liability Policy protects you from unauthorized charges, it’s still important to stay vigilant about activity on your account.

Review your transactions

The best way to spot suspicious transactions is to stay on top of your account activity. Get in the habit of reviewing your monthly statements to quickly spot anything that seems off.

Report suspicious charges immediately

If you have identified suspicious charges, report them to your financial institution. It is important to report suspicious transactions in a timely manner.

Get quick resolution

Once an unauthorized transaction 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.

Explore Visa cards with Zero Liability protection

These credit and debit cards help protect you from unauthorized charges.

Zero Liability FAQ

All you need to know about our Zero Liability protection.

: 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 covers most credit and debit cards. The policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Please check with your financial institution on the coverage of your specific card.
: If you see an unauthorized transaction in your account, notify your financial institution immediately, by phone, email or mail.  Once an unauthorized transaction is reported, your financial institution will investigate so you can have the issue corrected quickly. Please note that 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.
: 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 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.

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 financial institution.
: If your account or account information is stolen or fraudulently used, Visa's Zero Liability Policy is our guarantee that you won't be held responsible for unauthorized charges made.
: If you prefer to speak on the phone, please reach out to your financial institution with all the details of the transaction in question.