If you identify suspicious activity, lock your card immediately. Then, call our customer support line at 1-877-440-2889. When you call or are directed to email our team, please provide transaction details such as merchant name and the amount to be disputed. Our Support team responds within 48 hours generally, and will guide you through next steps. The Support Team will also facilitate getting a new card.

If funds were taken without authorization from a merchant, the best first step is to contact the merchant and ask for a refund. They can process refunds faster than it takes to investigate and dispute transactions. If the merchant isn't able to provide a refund of the funds, we can begin the dispute transaction process.

If funds are stolen on your card due to fraud, you are protected and funds will be reclaimed. Mastercard's Zero Liability protection gives you peace of mind in the event that funds are stolen from your card. Please note that the above applies to unauthorized purchases and does not apply to fraudulent transfer due to phishing, vishing or other types of fraud that involve a cardholder divulging sensitive information. See below for more on phishing.

What is Phone phishing or Vishing?
Vishing—or voice phishing—is the use of fraudulent phone calls to trick people into giving money or revealing personal information. It's a new name for an old problem—telephone scams. Vishing frequently involves a criminal pretending to represent a trusted company representative. You may be asked to divulge your password or 2-factor authentication (2FA) verification code.

Learn to Catch a VishScammers or "vishers" often offer exaggerated services. They then ask for your personal information to get you access to your wallet. Watch out this on other examples of prominent Vishing scams:
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- Offers from companies you do not do business with and/or have not heard of.- An announcement that you have won a prize in a contest you did not enter.
- Promises of unrealistic returns for your money.
- Threats of consequences—such as fines or penalties—if you don't provide money or information.
- Unprofessional, hostile, or even obscene language.
- Unsolicited calls offering to help you with debt, unpaid taxes, or previous cases of fraud.
- Pressure to make immediate decisions to give the caller what they want, which may include:
- Money
- Financial account information
- Personal information
- Organizational information, including names and contact information of coworkers at the university

Protect Yourself from Voice Phishing
If a caller claims to be from AnyDay, QRails or XTM or another institution you do business with, such as your bank, and they ask for personal information (account numbers, Social Security numbers, and so on), hang up, find that institution's phone number, and call them. If the call you received was fraud, report it!

Report phishing by contacting us: support@paidanyday.com

Do not pay fees for prizes or rewards offered by phone.

The Internal Revenue Service (IRS) will never ask you for debit or credit card numbers by phone or demand immediate payments using specific methods, such as prepaid gift cards, debit cards, or wire transfers. Do not send money or give out personal information (such as credit card numbers and expiration dates, bank account numbers, dates of birth, or Social Security numbers) in response to unsolicited phone calls from unfamiliar companies or unknown persons. Don't trust caller ID. Phone numbers and caller identities can be faked. There have been reports of forged phone numbers from government offices, and other businesses and institutions.