What is a credit card CVV or CVC number?
A CVV or CVC is a security number that's printed on your credit card and is usually needed when you shop online. Here’s how it works.
Key takeaways
- Your credit card CVV or CVC is a 3 or 4-digit security code for online and phone purchases.
- Report lost or stolen cards immediately to prevent fraudulent transactions using your CVV.
- The CVV protects card-not-present transactions unlike your PIN for in-store or ATM use.
What is a CVV or CVC number?
A CVV number (or card verification value) or CVC (card verification code) is a 3- or 4-digit number on your credit card or debit card that helps prevent fraud. It's used to verify transactions when you're making a payment and don't need to enter a PIN or use a card reader as you would in a store.
Where is the CVV or CVC number?
If you have a Visa or Mastercard credit card or debit card, the CVV will be a 3-digit number on the back of your card. If you have an American Express card, the CVV will be a 4-digit number found on the front of your card.
When do I need to provide my credit card CVV?
The CVV is used to verify card transactions when you're not using your card in-person (sometimes known as card-not-present transactions). Below are some of the most common situations when you could be asked for your card's CVV:
- Shopping online. Most online payment forms will ask you to provide your CVV when you're entering your card details.
- Making phone payments. If you're paying a business over the phone, you will sometimes be asked for the CVV. But it does depend on the way the business has set up its payment system (not all of them require the CVV).
- Adding a card to your mobile wallet. When you add a card to a mobile wallet, such as Google Pay, you'll need to provide the CVV along with all the other card details.
In these situations, the CVV helps protect you (and the business) from fraudulent transactions because the CVV or CVC number is printed on your actual card – which means you need to have the card to enter the number.
Card security tip
If your card is lost or stolen and you haven't reported it, anyone could use the CVV and other details on your card to make online purchases or phone payments without your permission. That's why it's important you contact your card issuer immediately if your card is lost or stolen.
How do I find my CVV code?
Your card's security code is usually found on either the front or the back of your card. If you've misplaced your card, you may be able to contact your bank issuer to confirm the code or get a replacement card.
If you only have a virtual credit card, the CVV details will be included in your account or the app.
Is a CVV or CVC number called anything else?
Different credit card companies, online payment platforms and businesses sometimes use other terms for the CVV or CVC. This includes:
- CVC2
- CVV2
- CCV
- Card Security Code
- CID
- CID2
Despite these different names, the codes all serve the same function and are used as a standardised security measure.
In the case of "contactless" cards there is generally a chip involved which supplies its own electronically generated series of codes. They are called Dynamic CVV or iCVV.
Are CVV or CVC numbers the same as my PIN?
No, your CVV number is different to the PIN that you use for in-person transactions. When you shop at a store or withdraw money from an ATM, you'll enter a PIN but never need to provide your CVV. When you shop online, it's the other way around.
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I filled out an order form with card details. Never had boxes for ccv Number. Then I get a phone call from them asking for my ccv Number? Have never had to give for other Payments. Though they are ordering a product for us this time. Feel uncomfortable about giving it? What should I do?
Hi, thanks for your inquiry!
Even though the CCV number can be entered through the phone if the website does not have a field to enter the number, it is recommended only to provide these details if the merchant is certified and trusted. If the CCV number is given to the wrong parties the card may be used fraudulently.
Cheers,
Jonathan
The CVC number is always asked when making online purchases. Does it mean that without giving your CVC number the card will not be charged? I have made a hotel reservation that allows me to do the booking and pay during my stay but i still have to give my credit card details without the CVC. Thanks.
Hi Sherra, thanks for your inquiry!
A CVC is a security measure for your credit card, both numbers (credit card number and CVC) are required for online purchases.
Cheers,
Jonathan
Make me a CVC code number I want it to be XXXX
Hi James,
Thanks for your inquiry.
Generally, most credit cards that are enabled with online purchasing and EFTPOS transactions come with a CVC. If your card has not come with a CVC number, you will have to request a new card from your bank. Please refer to our guide for more information on CVC numbers.
Cheers,
Jonathan
Where to find CCV number on visa card?
Hi Jing.
Thanks for your question. The CCV number is a three number combination that can be found on the back of the card.
I hope this helps.