Zero Liability

Zero Liability Protection for Lost & Stolen Cards

Have peace of mind knowing that the financial institution that issued your MasterCard card in the U.S. won't hold you responsible for "unauthorized purchases." Zero liability applies to purchases made in the store, over the telephone or made online. As a MasterCard cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met:

  • Your account is in good standing.
  • You have exercised reasonable care in safeguarding your card from any unauthorized use**.
    Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase.
    (**Failure to register certain cards will be considered as not safeguarding your card.)
  • You have not reported two or more unauthorized events in the past 12 months.

Zero Liability does not apply to MasterCard cards
(i) issued for commercial, business or agricultural purposes, except for MasterCard commercial cards used for small businesses as listed on; or
(ii) if a PIN for a debit transaction is used for the unauthorized purchase.

What to do if . . .
If you have questions regarding zero liability coverage or you suspect unauthorized use of your card, contact your issuing financial institution IMMEDIATELY.

If any of the conditions set forth above are not met, then your liability may not be zero but it may be limited by your issuing financial institution or federal, state or local law. Again, check with your issuing financial institution.

For the application of Zero Liability outside of the United States check your applicable MasterCard country/regional web site.