Security & Fraud Protection

Don’t worry! If your card is lost or stolen,²³ be sure to instantly lock your card using the myWisely^® app⁷ or on mywisely.com so your card cannot be used.  To lock your card, log into the myWisely mobile app⁷ or mywisely.com and go to account settings, then open card settings.

You can also contact the call center immediately: 1-866-313-6901.* We will cancel your card and transfer the funds to a new card that will be sent to you.
Please note that funds are not transferred until your new card has been activated.
* Wisely Direct customers call 1-866-313-9029.
How do I know which card I have?

Cards can get lost or stolen so we grant one¹ free card replacement for a lost/stolen primary or secondary card per calendar year.

Each additional card replacement for a lost/stolen primary or secondary card per calendar year will incur a fee.

Please see Cardholder Agreement for more details.

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).

Contact Wisely® Member Services at 1-866-313-6901 and we’ll provide assistance.

If you suspect fraud, you can instantly lock your card so it cannot be used. Log into the myWisely^® app⁷ and go to account settings, then open card settings to use this feature.

If you find your card, you can instantly unlock it and resume using it.

But report a lost, stolen,²³ or damaged card to our call center immediately.

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

If you notice unauthorized charges on your account, contact Wisely^® Member Services at 1-866-313-6901.^*

We will be able to review the account transaction history and provide assistance. Resolution timeframes will vary based on transaction type.

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

Wisely^® does not freeze funds while investigating disputes.

If you recognize unauthorized activity on your account, we recommend you have a new card issued.

When a new card is requested, the current card will become invalid, and it may take up to 10 business days to receive a new card. Expedited card delivery is available for an additional fee.

Having access to your money is extremely important and we strive to resolve customer issues quickly, so be sure to include all relevant details when submitting a claim to help speed up the process.

A travel notice is an enhanced security measure that helps to protect you against fraud when using your Wisely by ADP® card while traveling outside of your home state and bordering state(s).

Your Wisely by ADP® card will work in your home state and any bordering state upon activation, however, if you travel beyond your area add a travel notice in order to avoid declines on your card.

It reduces the opportunity for out of state and international fraud.

Login to the myWisely® app⁷ or myWisely.com. Select account settings / card settings/ travel notices.

You may also call cardholder services at 1-866-313-6901^*. A travel notice becomes effective immediately upon saving changes; it takes only seconds to select a travel notice and help protect yourself against fraud.²³

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

Your card may be declined if you travel outside of your home state and bordering state(s).

Login to the myWisely® app⁷ or myWisely.com to set up a travel notice. You may also call cardholder services at 1-866-313-6901.^*

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

There isn’t a fee if your card is declined when attempting to purchase.

Lock your card immediately on the myWisely® app⁷ so it cannot be used.

If you find your card, you can instantly unlock it and resume using it.

If you cannot find your card, please contact cardholder services at 1-866-313-6901^* and order a replacement card.

* Wisely Direct customers call 1-866-313-9029.

How do I know which card I have?

Your card cannot be used while it is locked, adding an additional level of security.

You can lock or unlock your card by logging into the myWisely^® app⁷ or visiting myWisely.com.

Upon activation your card balance is FDIC insured up to the eligible amount through Fifth Third Bank, N.A., Member FDIC or Pathward^®, N.A ., Member FDIC. Please log in to the myWisely app⁷ or mywisely.com to see your cardholder agreement for more information.