As long as you are issuing VISA cards, you will be subject to providing Zero Liability. The only way to "change" from providing Zero Liability is to stop offering VISA Debit Cards. (MasterCard offers Zero Liability as well.)
VISA's Zero Liability covers all signature based purchases and any PIN based purchases processed on the VISA network. It does not cover other PIN purchases or ATM withdrawals. VISA does provide some "outs" when Zero Liability may not be required such as if the cardholder is grossly negligent or if the cardholder takes too long to report the fraud. The specifics should be outlined in your account agreement. You can review VISA's Zero Liability policy here.
I also want to invite you to my upcoming webinar on April 25th The Maze of Debit Card Compliance
. I will be examining questions about Zero Liability and other regulatory issues surrounding your debit card program.
Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!www.tcaregs.com