What Is My Credit Card Security Code?

A credit card security code (CVV, CVC, CID, or CSC) is a crucial security feature. This unique three or four-digit number protects consumers in card-not-present transactions, such as online or over the phone, by verifying the legitimate cardholder.

Locating Your Security Code

Finding your credit card security code is generally straightforward, though its location and the number of digits can vary depending on the card issuer.

For most Visa, Mastercard, and Discover cards, you will find a three-digit code printed on the back of the card. This code is typically located within or just after the signature strip. It is often labeled as CVV2, CVC2, or CID, distinguishing it from the primary account number.

American Express cards place their four-digit security code (CID) on the front, usually above the primary account number on the right side. This flat, printed number is distinct from embossed numbers. Even some prepaid and gift cards now include these security codes, following similar placement conventions.

The Purpose of the Security Code

The security code primarily combats fraud in “card-not-present” transactions (online, phone, mail orders). Entering this code helps merchants and card issuers confirm the user has the physical card, significantly reducing unauthorized use.

This measure is effective even if your card number and expiration date are compromised, as the physical card remains secure. Merchants typically do not store the security code after a transaction, adding defense against data breaches. This ensures that if a merchant’s database is breached, security codes for past transactions are unavailable to fraudsters.

Differentiating from Other Card Information

The security code is distinct from other card information. It should not be confused with your primary account number (the 13-to-16-digit number on the card front) or the expiration date (month and year your card becomes invalid).

The security code is also not your Personal Identification Number (PIN). A PIN is a four-digit code for authenticating ATM or point-of-sale chip-and-PIN transactions. Unlike a PIN, which is entered on a keypad, the security code is read from the card and entered online or provided over the phone. It is also distinct from your name.

Actions When the Code is Unavailable

If your security code is damaged or unreadable, contact your card issuer for a replacement card. If your card is lost or stolen, report it immediately to your issuer to deactivate it and prevent unauthorized transactions.

Online or phone transactions without the security code will likely be declined, as merchants generally require it for card-not-present transactions as a fraud prevention measure. However, some recurring payments or subscriptions may not require the code for subsequent automatic charges once initially set up.