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The
CVV2 is an extra 3 digits at the far right hand side of the signature strip on
the back of your Visa or Mastercard. It is separated from the card number with a
space. Normally, it is the last three digits at the right. This number helps to
protect the cardholder from unauthorized use of their credit card. The Card
Security Code (CSC), sometimes called Card Verification Value or Code
(CVV or CVC), is a security feature for credit or debit card
transactions, giving increased protection for both the consumer and merchant
against credit card fraud.
The CVV2 is a 3- or 4-digit value printed on the card or signature strip, but not encoded on the magnetic stripe.
- MasterCard, Visa and Discover credit and debit cards have a 3-digit code, called the "CVC2" (card validation code), "CVV2" (card verification value), and "CID" (card identification number), respectively. It is not embossed like the card number, and is always the final group of numbers printed on the back signature panel of the card. New North American MasterCard and Visa cards feature the "CVC2" in a separate panel to the right of the signature strip This has been done to prevent overwriting of the numbers by signing the card.
- American Express cards have a 4-digit code printed on the front side of the card above the number, referred to as the CID. It is printed flat, not embossed like the card number.
The number is generated when the card is issued, by encrypting the card number and expiry date under a key known only to the issuing bank. Supplying this code in a transaction is intended to verify that the customer has the credit card in their physical possession.