On Visa and MasterCard credit cards, the number is located on the back of the card in the signature area. The number is always three digits and is sometimes preceded by the card number or the last four digits of the card number.
On American Express cards, the four-digit number is located on the front of the card, just above the card number, usually on the right Discover, Diner's Club, and some older credit cards may not have the codes.
My card doesn't have the code. What do I do? Why are you requiring this? Providing the code when you make online or over-the-phone purchases confirms that you actually have possession of your card.
The CVV2 code appears in different places on your card depending on the payment network. While physical cards have a CVV2 code printed on the card, virtual and digital cards may also have a CVV2 that you can request for making transactions for online shopping. Some credit card issuers make a digital CVV2 for approved card applicants so you can use a digital version of the card while you wait for the physical card to arrive in the mail.
Merchants ask for the CVV2 during a transaction to make sure that you actually have the payment card in your possession.
If a thief gets your credit or debit card information, they'll have a much harder time making fraudulent purchases without the CVV2 code. Or, if the CVV2 entered doesn't match, the transaction may be declined. Instead, merchants and retailers usually ask for the CVV2 when you're making online or phone transactions to ensure you have the card with you.
Because your CVV2 is so important for online and phone purchases, you should never write it down or share it with anyone you don't know. When you're entering your card information online, make sure you're using a secure website to protect the transmission of your sensitive financial information.
Payment security standards prohibit businesses from storing the CVV2 code on their servers or in their records. This way, if your information is compromised in a data breach , you're at less risk of being a victim of fraud even if the hacker gains access to your payment information. Not all retailers request the CVV2 code for purchases, so it's still important to monitor your credit card and bank transactions frequently and report suspicious charges to your bank right away.
USAePay Help. Actively scan device characteristics for identification. Toggle navigation. Net Visual Basic Net 4. Storage and Security Considerations The card security codes are considered highly sensitive data and should never be stored, even in an encrypted format.
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