3-Digit Security Code
Proof that your card is in the right hands
The 3-digit security code shown on the back of your Visa
card lets merchants know that you're physically holding the card when
you make a purchase online or over the phone. It's yet another layer of
protection Visa implements to prevent fraud before it happens.
How it works
1.
The three-digit code authenticates your identity.
2.
This assures the merchant that you have your card in hand.
3.
The code is validated automatically during authorization. Merchants are not allowed to save codes.
Shop online or by phone
Shopping online or by phone – where a merchant can't verify
your identity in person – always involves an element of risk. The
3-digit security code on your Visa card assures both merchants and
consumers that the card is in the hands of an authorized user. If
someone obtains your account number, he or she can't make a purchase
without the security code.
Provide your 3-digit security code
You can find the 3-digit code on the back of your Visa card,
next to your signature. You may see other numerals there, but only the
last three digits make up the security code, which is also sometimes
referred to as the "CVV2 code."
Card issuer validates your code
When you give a merchant your CVV2 code at checkout, that
information is sent electronically to the card-issuing bank for
verification and authorization. If a person attempts to use your card
number but cannot provide a 3-digit security code, or if the number is
returned as invalid, the merchant will cancel the transaction. For
security purposes, merchants are prohibited from storing this number.
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