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.
*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 details.
While Visa’s Zero Liability Policy protects you from unauthorized charges, it’s still important to stay vigilant about activity on your account.
Explore commonly asked questions
What is Visa Zero Liability Policy?
Visa 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.
Is Zero Liability protection available for all Visa credit, debit and prepaid cards?
Visa 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.
Do I need to enroll or sign up for Visa Zero Liability Policy?
Visa’s Zero Liability Policy is Visa’s requirement that your bank or issuer ensure that your are not responsible for unauthorized charges made with your Visa card. The policy is not contingent on enrolling or signing up directly with Visa.
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.
How do I dispute a charge I didn’t make?
If you see an unauthorized transaction in your account, notify your financial institution immediately, by phone, email, online banking or your mobile banking app. 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 Please note that replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing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.
When can I expect to get a refund for an unauthorized transaction?
Visa 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.
Can I speak to someone about unauthorized transactions?
If you prefer to speak on the phone, please reach out to your financial institution with all the details of the transaction in question.
What are the advantages of Zero Liability protection?
If your account or account information is stolen or fraudulently used, Visa Zero Liability Policy is our guarantee that you won't be held responsible for unauthorized charges made.
From shopping online to traveling the world, Visa is accepted by over 150 million merchants in more than 250 countries and territories and across 180 currencies.