The CVV code is a security feature for “card not present” transactions (e.g., Internet transactions), and now appears on most (but not all) major credit and debit cards. It is a three- or four-digit number printed on your card, usually near your signature line. On American Express cards, it is the four digits on the front towards the right.
The CVV code is an important security feature that helps to protect you from fraud. When you make a purchase online, over the phone, or through mail order, the merchant may ask for your CVV code to verify that you have the physical credit or debit card in your possession. Merchants who require the CVV code help to verify that the customer placing the order actually has the card, and did not just obtain the credit card number from a source such as a receipt left in a public place.
If you are making a purchase online and are asked for your CVV code, you can usually find it on the back of your card near the signature line. If you cannot find it, you can always call the customer service number on the back of your card and they will be able to tell you what your CVV code is. When making a purchase over the phone, you may be asked to type in your CVV code when prompted by the merchant.
It is important to keep your CVV code safe and secure, just like your credit or debit card number. Do not give your CVV code to anyone who you do not know and trust, such as a stranger who calls you on the phone claiming to be from your bank or credit card company. Remember, you should never have to give out your CVV code to a merchant in order to complete a purchase–if a merchant claims they need your CVV code, it is probably a scam.
If you think you have given your CVV code to a fraudster, or if you see unauthorized charges on your card, immediately contact your credit or debit card issuer to report the fraud and get more information on what to do next.
What is a CVV code?
A CVV code is an anti-fraud security feature, and is typically a separate 3- or 4-digit number printed on the back of your credit or debit card. This number adds an extra layer of security when you’re making “card not present” purchases like over the internet or phone.
How does it work?
When you’re making a purchase online, over the phone, or through mail order, the merchant may ask for your CVV code to verify that you have the physical credit or debit card in your possession. This helps to prevent fraudsters from using your card number to make unauthorized purchases.
Where can I find my CVV code?
The CVV code is typically a 3- or 4-digit number printed on the back of your credit or debit card, near the signature line. On American Express cards, it is the 4 digits on the front towards the right.
What if I can’t find my CVV code?
If you can’t find your CVV code, you can always call the customer service number on the back of your card and they will be able to tell you what your CVV code is.