You need help with your MasterCard? Here you can find answers to our most frequently asked questions. Or tweet @AskMasterCard and we will be glad to help.
How do I dispute a charge?
I received an eemail/phone call from MasterCard about my account but it appears to be a scam or a phishing eemail – What do I do?
I believe fraudulent purchases were made on my MasterCard card account
A merchant required me to make a minimum purchase when I used my MasterCard card
A merchant wanted to charge a surcharge or fee to use my MasterCard card
I tried to make a purchase but my card gets declined
What card benefits and insurance are free with my MasterCard card?
How do I use a MasterCard Everyday Prepaid Card?
I no longer have my MasterCard and wish to report the card as lost or stolen
What liability do I have for unauthorized purchases made on a lost or stolen MasterCard card?
I need a replacement card
I made a purchase in my local currency but was still charged a currency conversion fee
I want to apply for a MasterCard
Please work through your card issuing bank to dispute a charge. Only your bank holds your specific and unique information including what rights you have to file disputes.
MasterCard will never solicit personal or account information from a cardholder and we suspect that the information you received is fraudulent. Consumers should always safeguard their personal information and refrain from responding to suspicious eemail/phone scams. If you suspect fraud on your account, please contact your issuing bank immediately to report it. We would appreciate if you could forward the original eemail to firstname.lastname@example.org so that we may investigate.
If you believe that a transaction posted to your MasterCard card account is fraudulent you should immediately contact the financial institution that issued your MasterCard account and – report your concerns. Typically, there is a customer service number for your financial institution on the back of each card that you can call.
A merchant is not permitted to require a MasterCard cardholder to pay a minimum amount in connection with a MasterCard card transaction.
If you believe that a merchant inappropriately has requested a minimum charge or you would like to report an inappropriate charge you may report this by clicking the following URL and completing a brief online form www.mastercard.us/support/merchant-violations.html
Merchants can charge an extra fee to customers who pay with MasterCard-branded credit cards, where permissible by law. These fees are not allowed on Debit MasterCard or MasterCard prepaid cards. Additional details on these surcharges can be found at www.mastercardmerchant.com.
Merchants must clearly disclose their surcharge policies at the register and clearly indicate the amount of the surcharge on the receipt.
If you are not certain whether you have been charged appropriately, or you would like to report a questionable charge, eemail us directly at email@example.com
MasterCard does not manage cardholder accounts. Cards are issued by financial institutions that maintain accounts and set limits. If the transaction was declined, please contact your financial institution that issued your card to understand why it was declined. Sometimes banks put security measures in place to reduce the risk of fraudulent transactions on cross-border and online transactions resulting in declined transactions.
MasterCard provides many different features and benefits that differ depending on the actual MasterCard card that you have. To find out the specific benefits of your card, please contact the MasterCard Assistance Center at 1-800-307-7309 or ‘Collect’ by dialing +(636)722-7111.
You can use your MasterCard Everyday Prepaid or Gift card anywhere Debit MasterCard cards are accepted. Be sure to know your card balance before you shop-the merchant or service provider may not be able to retrieve this information for you. When you’re ready to make your purchase, give the cashier your card or, if asked, swipe your card at the terminal. The purchase amount will automatically be deducted from the card balance.
To report your card lost or stolen, a MasterCard representative will be able to assist you in filing the report. Please contact the MasterCard Assistance Center at 1-800-307-7309 or ‘Collect’ by dialing +(636)722-7111. You should also contact the financial institution that issued your MasterCard immediately.
If MasterCard Zero Liability protection applies to your MasterCard card, once you report your card lost or stolen to MasterCard, in most situations no unauthorized charges should be posted to your account. We recommend that you review the next two billing statements after a lost or stolen card has been reported to ensure no unauthorized transactions have been posted.
If you do see unauthorized transactions, please promptly contact the financial institution that issued the MasterCard account to you. Typically, there is a customer service number for your financial institution on the back of each card that you can call. You can also contact the MasterCard Assistance Center at 1-800-307-7309 or ‘Collect’ by dialing +(636)722-7111.
MasterCard can assist you in receiving a replacement card by working with the financial institution that issued your card. Replacement cards require that such financial institution authorize a new account number. To request an emergency card replacement, please contact the MasterCard Assistance Center at 1-800-307-7309 or ‘Collect’ by dialing +(636)722-7111.
MasterCard recommends that MasterCard cardholders contact their financial institution that issued its MasterCard card to determine what currency conversion charges are applied to their foreign transactions.
Typically, there is a customer service number for your financial institution on the back of each card where you can call. You can always contact the MasterCard Assistance Center at 1-800-307-7309 or ‘Collect’ by dialing +(636)722-7111.
If you are experiencing problems with MasterCard SecureCode, you must contact the financial institution that issued your MasterCard to assist you with all SecureCode issues. From your computer, visit the URL below. If you do not see a listing for your financial institution that issued your MasterCard card please understand that SecureCode is a voluntary program and not all financial institutions sign up www.mastercard.us/securecode-sign-up.html
MasterCard has created a helpful online tool to assist in making decisions about which card products are available. Please click the URL below: www.mastercard.us/find-a-card.html