Tag Archives: CVV2

Card payments — glossary

If you are an online payments newbie, no doubt you’re getting lost in all the new expressions, phrases and definitions. That’s why we come to your rescue with this 3-part introduction to payments safety. Today, we set off with CVV2.

CVV2, CVC2, or just the card security code (CSC), are different names for the security features for credit and debit card transactions. CVV2 provides increased protection against credit card fraud.

How it works?

Imagine that you’re buying something over the Internet, fax, mail or phone. Since you’re not present in person, such transactions are called “card not present transactions”. Normally, you give your card to a merchant. You take it out of your wallet, you can present your signature or prove that you know the PIN. Somehow you prove this card belongs to you. Everything goes well…

Glossary: Card Security Code

Card Security Code — usually called CVV (Visa) or CVC (MasterCard); it’s a three or four digit code located on a credit card, but not encoded on the magnetic stripe. If a client can provide such a code, it proves that he actually is in possession of the credit card and didn’t use, for example, a card number generator or a copy (skimmed) of the card.

The most common code is CVV2 (or CVC2) used in card-not-present transactions. For Visa, MasterCard, JCB, Diners Club and Discover credit and debit cards, this is a three digit code printed on the back of the card. American Express differs a bit — they have a four digit code printed above the credit card number.

Also the names of the code differ. Apart from CSC we have:

  • CVV2 (Card Verification Value) for Visa,
  • CVC2 (Card Verification Code) for MasterCard,
  • CID (Card Identification Number) for American Express and Discover.