FAQ Security & Fraud Protection Can you tell me more about additional fraud protection?23 Transactions that qualify are protected by either the VISA® or Mastercard® Zero Liability Policy.9 The Zero Liability Policy provides protection from unauthorized purchases. Other restrictions may apply. You may also have other protections under applicable law, such as Federal Regulation E, which implements the Electronic Funds Transfer Act. Please refer to the Cardholder Agreement you received when you enrolled for the Wisely® Pay card. You can view the Cardholder Agreement on the myWisely® app7 or at mywisely.com. With Wisely® Pay, cardholders have additional fraud protection. Transactions made outside of the cardholder’s residential state and adjoining states may be declined unless the cardholder calls cardholder services and requests to temporarily allow transactions in the additional area(s).