Peace of Mind

MasterCard is committed to help protect consumers from fraud and unauthorized purchases in ways that are not available with other forms of payment. MasterCard cardholders are not responsible for unauthorized charges to their account, providing they comply with applicable guidelines. The MasterCard Zero Liability coverage extends to purchases made in a store, over the telephone, or on the Web.

MasterCard also formed a partnership with the Independent Community Bankers of America (ICBA), to develop the Peace of Mind educational materials, which offer easy-to-follow tips on safeguarding payment card information and maintaining peace of mind while using credit and debit cards. The Peace of Mind materials consist of informative brochures and posters that ICBA member financial institutions are able to order free of charge and display in local bank branches across the country. Learn more about Peace of Mind and the ICBA.

Through the Peace of Mind program, MasterCard is also committed to educating servicemen and -women. Peace of Mind works with soldiers and their families to keep their credit and debit card information safe and secure. The program materials are also available to organizations, military bases and federal agencies. Learn more about Peace of Mind for Military Personnel.

MasterCard provides consumers with a variety of resources to protect their financial well-being. Learn more:

Unauthorized Purchases
Lost or Stolen Cards

*Zero liability applies when a MasterCard account is in good standing, cardholders have exercised reasonable care in safeguarding your card, and when a cardholder has not reported two or more unauthorized events in the past twelve months.

Zero Liability does not apply to MasterCard-branded cards issued to: an entity other than a natural person or primarily for business, commercial, or agricultural purposes, except for (1) outside of the U.S. region; (2) if a PIN is used as the cardholder verification method for the unauthorized transaction(s); or (3) the following card programs for small businesses:

  • Debit MasterCard BusinessCard® Card
  • MasterCard BusinessCard® Card
  • MasterCard Executive BusinessCard® Card
  • MasterCard® Professional Card
  • MasterCard® Small Business Multi Card


MasterCard Equips New Zealand with EMV Payment Technology

Read about MasterCard’s new framework for New Zealand financial institutions.