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Credit Card Security Codes |
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What is the Card Security Code ? |
| The Card Security
Code (SCS) sometimes called Card Verification Value or Code (CVV or CVC) is an important new Internet security feature
to protect against credit card fraud. The code now appears on the back of most Visa/MasterCard and Discover cards, and on the front of American Express cards. This new code is a three or four-digit number which provides a cryptographic check of the information embossed on the card.
The security code helps validate that the customer
placing the online order actually has the credit card in his/her
possession, and that the credit/debit card account is legitimate.
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How does my Security Code protect me?
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The security code is only printed
on the card and it is not contained in the magnetic stripe information nor does it appear on sales receipts or billing statements - you must have the card in your possession in order to use this code. Card Security Codes are not raised, so
they are not scanned into standard credit card readers. In theory, these
numbers are only visible to you. When you give your Card Security Code to
a merchant, you assist the merchant in verifying that the order is being
placed by you, the card holder.
The security code is never printed on your receipt.
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Do I have to enter this Security Code?
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The code is printed on
your card, and YES, you must enter the code. Visa, MasterCard, Discover
and American Express now require Internet stores to obtain the
security code for all cards that have a code printed on them. In order
for this transaction to be accepted and processed, you must enter this
code if it's printed on your card. This is done for your protection,
and the merchants protection in fighting credit card fraud and online
credit card fraud. |
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The Verification Code is a three-digit
number on the back of your VisaCard. The full credit card number is
reprinted in the signature box and at the end of the number is the
Verification Code. |

The Verification Code is a three-digit
number on the back of your MasterCard. The full credit card number is
reprinted in the signature box and at the end of the number is the
Verification Code. |
| American Express Security Code |

For American Express The Verification Code is a four-digit
number on the front of the card above the credit card number on
either the right or the left side of your American Express credit card. |
| Discover Card Security Code |

The Verification Code is a three-digit
number on the back of your Discover card. The full credit card number is
reprinted in the signature box and at the end of the number is the
Verification Code. |
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