What Is a Security Code on a Gift Card?

Gift cards have become a widely used form of payment, offering convenience for both givers and recipients. Securing their value is important, as they function like stored cash. A security code protects the funds from unauthorized access.

Understanding the Security Code

A security code on a gift card is a unique, multi-digit number that safeguards the card’s balance and prevents fraudulent use. This code functions as an authentication measure, similar to a Personal Identification Number (PIN) or a password, confirming the legitimate cardholder. It adds a layer of defense, especially for purchases made without the physical card present. The code is a distinct identifier for each individual gift card, ensuring that only authorized transactions can proceed.

Locating the Security Code

For physical gift cards, the security code is on the back, usually three or four digits, though some may have eight. It is hidden beneath a scratch-off panel to prevent easy viewing or copying. To reveal the code, carefully scratch off this panel, usually with a coin or fingernail, without damaging the numbers. For digital gift cards, the security code is usually provided directly within the email or PDF that contains the card details, eliminating the need for a physical scratch-off.

Using the Security Code

When making a purchase, especially online or over the phone, the security code is typically required to complete the transaction. During online checkout, enter the gift card number, expiration date, and the security code in fields designated for credit or debit card information, not typically a separate “gift card” field. Providing this code helps verify the transaction and ensures the funds are debited from the correct card. For phone orders, you will verbally provide this code to the customer service representative.

Addressing Issues with Security Codes

Occasionally, a gift card’s security code might become unreadable due to damage, such as being scratched off too vigorously, or it might appear to be missing. In such situations, the first step is to contact the gift card issuer’s customer service department. Have the original purchase receipt and the gift card’s full card number available, as this information assists the issuer in verifying ownership and potentially retrieving the code or issuing a replacement. Some issuers may have policies allowing them to look up the code or provide a new card if sufficient proof of purchase and card details are supplied.