What Does CVC on a Credit Card Mean?
Understand the hidden power of your credit card's CVC. Learn how this small code provides big security for your online purchases.
The Card Verification Value (CVC) is a security feature on credit and debit cards designed to protect against fraud, especially in transactions where the card is not physically present. This code helps verify that the person using the card is the legitimate cardholder. It is a printed number on the card, distinct from the embossed card number, and adds a layer of protection for online purchases or phone orders.
What the CVC Is
The CVC, which stands for Card Verification Value or Code, is a unique security code printed on credit and debit cards. While CVC is commonly associated with Mastercard, other card networks use different names for this same security feature. For instance, Visa typically refers to it as CVV (Card Verification Value) or CVV2, American Express uses CID (Card Identification Number), and Discover may also use CID. This three or four-digit number is generated by an algorithm and is not embedded in the card’s magnetic stripe or chip, making it a separate security measure. It serves as a static identifier that helps confirm the card’s authenticity during transactions.
Where to Find Your CVC
Locating your CVC depends on the type of card you possess. For most Visa, Mastercard, and Discover cards, the CVC is a three-digit number found on the back of the card. This code is typically printed in or near the signature strip, often as the last three digits following the main credit card number.
American Express cards are an exception, featuring a four-digit CID on the front of the card. This four-digit code is usually printed above the embossed account number, often on the right side.
How the CVC Enhances Security
The CVC plays a role in preventing fraud, particularly in “card-not-present” (CNP) transactions. These transactions occur when a physical card is not swiped or inserted, such as during online shopping, phone orders, or mail orders. Since the CVC is not stored on the magnetic stripe or chip, requiring it for a transaction verifies that the person making the purchase physically possesses the card. This adds an additional layer of security beyond merely knowing the card number and expiration date.
When a merchant requests the CVC, it helps ensure the cardholder’s authenticity and reduces the risk of unauthorized use if card details are stolen. Payment card industry standards prohibit merchants from storing CVC numbers after a transaction, which further limits the risk of data breaches exposing this sensitive information. This measure helps protect consumers from fraudulent charges and reduces the likelihood of chargebacks for merchants.
Safeguarding Your CVC
Protecting your CVC is an important step in preventing unauthorized use of your credit and debit cards. You should never share your CVC with anyone unless you are making a legitimate purchase with a trusted merchant. Reputable websites and institutions will not ask for your CVC via email, text message, or other unsecured channels.
Do not store your CVC on websites, in unencrypted files, or written down where it could be easily accessed. Being vigilant about phishing attempts and suspicious requests for this code helps maintain your financial security. When disposing of old credit cards, shredding them is a good practice to prevent others from obtaining your CVC and other sensitive card information.