The Card Verification Value (CVV) is a crucial security feature found on credit and debit cards. This three- or four-digit number helps verify that the cardholder has physical possession of the card, especially during online or phone transactions, adding an extra layer of protection against fraud and unauthorised use.

Where is the CVV Found?

• Visa, Mastercard, and Discover cards: The CVV is typically a three-digit number printed on the back of the card, usually next to the signature strip.

• American Express cards: The CVV is a four-digit number located on the front of the card, above the card number.

Why is the CVV Important?

The CVV serves as an extra layer of protection in transactions where the card isn't physically swiped or inserted. When shopping online or over the phone, merchants request the CVV to verify that the customer is in possession of the actual card, not just the card number.

Unlike the card number or expiration date, the CVV is not stored in merchants’ databases after the transaction. This makes it harder for cyber criminals to use stolen data without the CVV, especially for online purchases.

Is CVV the Same as a PIN?

No, the CVV is not the same as a PIN (Personal Identification Number). A PIN is used for ATM withdrawals or in-person transactions and should never be shared. The CVV is used only for verification during online or remote transactions.

Stay Safe: Don’t Share Your CVV

Just like your card number and PIN, the CVV is sensitive information. Never share your CVV on untrusted websites or with unknown parties. Fraudsters may try to obtain this number to make unauthorised purchases.

The CVV is a simple but crucial security feature that helps protect your money when using your card online. By verifying the physical presence of the card, it plays a key role in reducing fraud and enhancing transaction security.