A CVV is a 3- or 4-digit number associated with a credit card that helps prove the authenticity of the credit card to avoid fraud. The CVV code is found in different places on different cards, and in some cases it can be printed on the back side of the card. A CVV number cannot be used alone to make a purchase—instead it’s used as an added security measure to make sure the person using the credit card is actually the cardholder. Many online merchants require the CVV number when making a purchase to verify that the customer is actually in possession of the card.
Some people mistakenly believe that the CVV number is used to calculate a credit card’s “security code” or “verification value.” This is not the case. The 3-digit security code used to authorize online transactions is the CVV2 number that can be found on the back of a physical card.
Once you have your credit card, it’s important to learn where to check what numbers are associated with your card. The number can be located on the front or back of a physical card, and it can also be found in the “Account Details” or “Card Details” section of your online banking profile. Be sure to keep your CVV number confidential and never share it with anyone else. If you lose your credit card, it’s important to contact your credit card issuer immediately to have the card cancelled and a new one issued. Having your CVV number on hand will make this process much easier.
Now that you know what a CVV number is and where to find it, you can be assured that your transactions are more secure when shopping online. Keep in mind that not all merchants require a CVV number, but it’s always a good idea to provide one just in case. Be sure to also keep your CVV number confidential and never share it with anyone else. By following these simple tips, you can help protect yourself from credit card fraud.