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MasterCard has announced an industry first in its move to create one global Zero Liability promise for consumers as part of its multi-layered approach to safety and security. Under the new program, consumer and small business cardholders will enjoy added protection from unauthorized transactions. This applies to transactions , including PIN-based transactions at the point of sale, ATM withdrawals and online or mobile transactions on MasterCard, Maestro and Cirrus-branded transactions made using a consumer credit, debit, small business or prepaid cards registered to a consumer, as well as co-badged cards provided MasterCard is the brand of choice at time of purchase. Read more here.