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.
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.
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These credit and debit cards help protect you from unauthorized charges.
Zero Liability FAQ
All you need to know about our Zero Liability protection.
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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.
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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.
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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 Please note that replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing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.
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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.
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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.
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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.
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If you prefer to speak on the phone, please reach out to your financial institution with all the details of the transaction in question.