What happens if I experience losses due to unauthorised usage?

Losses are best prevented, which you can do by keeping your account secure and acting immediately if a security problem occurs.  In many situations, you rather than ShieldPay are in the best position to prevent loss.

Shieldpay will not hold you responsible for any unauthorised use of your account by a third person, provided that we are satisfied that you have taken reasonable care to protect the security your account and you have informed us of the unauthorised use in a timely manner. The way Shieldpay works though is that it should prevent anyone experiencing any losses due to unauthorised use.