“Zero liability” is a term used by Visa to describe a U.S. card program that applies to certain U.S. transactions conducted using Visa prepaid debit cards. Visa’s Zero Liability policy is a guarantee that you won’t be held responsible for fraudulent charges made with your prepaid debit Visa card or account information associated with your prepaid debit card account.

The Visa zero liability program does not cover ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. To qualify for the zero liability guarantee, a Visa prepaid debit card holder must promptly notify the prepaid debit card issuer (the bank that issued the card) of any unauthorized use.

You can read more about Visa’s zero liability program here.