With Visa, you can feel complete card
confidence wherever you go. Our multiple layers of security prevent, detect and
resolve unauthorized use of your card information. And, in the unlikely event
fraud occurs, you can rest assured that you will never be held liable for
unauthorized charges—you’ll owe nothing, that’s our Zero Liability promise.
Take a look at our multiple layers of security:
Chip-Enabled Cards
Smarter credit and debit cards are coming soon to a wallet near
you. The United States is moving to chip-enabled credit and debit cards. We’re
putting the power and security of a computer micro-chip right into your card.
The new cards will be nearly impossible for criminals to counterfeit, and
travel will be made even easier to more than 130 countries where chip cards are
already used. Chip-enabled cards do everything magnetic strip cards do but even
more securely. Plus the move to chip will help us get to mobile payments faster
and more securely.
As this technology rolls out, there are a few things you should
know.
Zero Liability
Visa wants you to feel free to use your card with complete
confidence. In the unlikely event that fraud occurs, Visa’s Zero Liability
policy means you won’t be held responsible for fraudulent charges made with
your card or account information.
Real Time Fraud Monitoring
Intelligence is our best defense. The instant a merchant processes
your card, Visa goes to work preventing fraud. We use a detection system to
scan thousands of transactions per second. We look for subtle changes in
spending patterns that could indicate fraud. If something's amiss—a mismatched
address, an unusually large purchase, or transaction far from home—we respond
immediately.
3-Digit Security Code
Ever wonder what that extra three-digit number on the back of the
card means? It's simple, really. That code confirms that the card is in your
physical possession when you're ordering online or by phone. If a fraudster
obtains your account number, but doesn't know the security code, the purchase
doesn't go through. It's just another layer of smart protection brought to you
by Visa.
Verified by Visa
Give your online transactions extra protection with Verified by
Visa, a personal password that confirms your identity whenever you check out at
Verified by Visa online merchants. Verified by Visa is a free, simple-to-use
service. Once activated, your card number will be recognized whenever you shop
at participating merchants. When you shop, look for the Verified by Visa symbol
and purchase with the added confidence Visa provides.
Identity Theft Assistance
