What Do You Call the 3 Digit Number on the Back of a Credit Card?

Credit cards include features designed to protect cardholders from unauthorized activity. A specific numerical code on the card acts as a verification tool, confirming authenticity and cardholder possession, especially for online or phone orders where the physical card is not presented.

The Security Code’s Names

The three- or four-digit number found on credit cards is known by several names, depending on the card network. Visa commonly refers to it as the Card Verification Value (CVV), while Mastercard uses the term Card Validation Code (CVC). Discover and American Express often call it the Card Identification Number (CID) or Card Security Code (CSC).

Despite the different terminology, these names all refer to the same security function. For everyday use, these terms are generally interchangeable.

Why the Security Code Matters

This security code is a layer of protection against fraud, especially for “card-not-present” transactions. It acts as an additional security measure beyond just knowing the card number and expiration date. The code is deliberately not embossed on the card nor stored on the magnetic stripe. This design makes it more difficult for fraudsters to obtain the code if they only acquire card details from a skimmed card or a stolen physical card without seeing the back or front.

Locating and Using Your Security Code

The placement and length of this security code vary by card network. For Visa, Mastercard, and Discover cards, it is typically a three-digit number located on the back of the card, usually within or near the signature strip. American Express cards, however, feature a four-digit code. This code is found on the front of the card, usually printed above the primary account number.

During online purchases or phone orders, you will be prompted to enter this code as part of the checkout process.

Safeguarding Your Security Code

Avoid sharing this code with anyone, especially unsolicited callers or through suspicious websites. Merchants are prohibited from storing this code after a transaction is completed, a regulation often enforced by Payment Card Industry Data Security Standards (PCI DSS).

Always ensure that you are making purchases on secure websites, typically indicated by “https://” in the web address and a padlock icon in the browser bar. Keeping your physical card in a secure location and being mindful of who might view the code can further help prevent unauthorized use. Regular review of account statements can also help detect any suspicious activity promptly.