Archived from the original on 24 April A PIN is a numerical code that the customer uses with debit and credit cards to authorize transactions such as cash advances or to withdraw funds from an ATM. Retrieved 10 April The card security code is typically the last three or four digits printed, not embossed like the card number, on the signature strip on the back of the card. All index data provided on a 15 minute delay.
Where you find the security code depends on the card. If you have a Visa , Mastercard or Discover , turn the card over. In the signature box or just to the right of it, you will see a series of digits. However long the series, the final three digits are the security code. American Express cardholders can find their security code on the front of the card, either to the left or right of the embossed digit card number.
These four digits are printed in black, not embossed. Even as the U. Each financial institution will have its own guidelines for how to handle illegible security codes, but it may require reissuing the card. Since the security code is a safety feature, just like your PIN, you will want to protect it.
Generally, as long as you have a secure connection, you can safely provide it during online transactions. The merchant is prohibited, for security purposes, from storing the code. The card security code is not encoded on the magnetic stripe but is printed flat. As a security measure, merchants who require the CVV2 for " card not present " payment card transactions are required by the card issuer not to store the CVV2 once the individual transaction is authorized.
Virtual terminals and payment gateways do not store the CVV2 code; therefore, employees and customer service representatives with access to these web-based payment interfaces, who otherwise have access to complete card numbers, expiration dates, and other information, still lack the CVV2 code.
This applies globally to anyone who stores, processes or transmits card holder data. However, some merchants in North America, such as Sears and Staples , require the code. For American Express cards, this has been an invariable practice for "card not present" transactions in European Union EU countries like Ireland and the United Kingdom since the start of To do this, a merchant or its employee would also have to note the CVV2 visually and record it, which is more likely to arouse the cardholder's suspicion.
Supplying the CSC code in a transaction is intended to verify that the customer has the card in their possession. Knowledge of the code proves that the customer has seen the card, or has seen a record made by somebody who saw the card. The CSC for each card form 1 and 2 is generated by the card issuer when the card is issued. It is calculated by encrypting the bank card number and expiration date two fields printed on the card with encryption keys known only to the card issuer, and decimalising the result.
From Wikipedia, the free encyclopedia. American Express also sometimes refers to a "Unique Card Code". Archived from the original on 24 April Retrieved 10 April Archived from the original PDF on Visa Fraud Investigation Scam". Retrieved 8 December
What is my Credit Card Security Code? The Card Security Code is usually a 3- or 4-digit number, which is not part of the credit card number. The CSC is typically printed on the back of a credit card (usually in the signature field). Every credit card has a card security code printed on it. It may be called a CSC, a card verification value (CVV or CV2), card verification code (CVC) or card code verification (CCV), but you need to know what -- and more importantly, where -- it is. Since your credit card security code is another tool to help protect your credit, be careful about sharing it over the phone and never share it in an email as this is not a secure method of communication.