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CVV (CVV2) - The Credit Card Security Code

What is a CVV code and where can it be found?

The CVV Code (also known as CVV2) is not your PIN number, but a security code designed for your safety and security. This protects you and us from fraud, since the CVV Code is never displayed on credit card receipts. You will find this number displayed on your credit card in the location illustrated below:

For American Express cards, you can find your four-digit verification number (CVV2) on the front of your credit card above the credit card number on either the right or the left side of your credit card. (see illustration)

For Visa / MasterCard the three-digit verification number (CVV2) code is in the signature area on the back of your credit card far right side. Your credit card number should be printed here along with a three-digit number at the end. (see illustration) (This is NOT the last 3 digits of your credit card number but the last three digits after the credit card number.)

we accept visa charge card            cvv code image
MasterCard...Visa         American Express

How is security improved by using the CVV code?

The CVV code can only be found on the card itself and nowhere else, not even on associated credit card statements. This means that the person requesting the transaction must have (or have had) the card in their hands.

Requiring that a card transaction is validated with the CVV code provides good protection against fraudulent use of a card number that has been obtained without permission or that has simply been guessed. It protects you against other people trying to use your card number fraudulently.

What is your policy for use of CVV codes?

 A CVV code is required for all our on-line credit card transactions and is used temporarily for the purpose of verifying and executing a current transaction. Once a transaction has been processed, the CVV number is deleted from our transaction database.

The CVV code is never displayed for administrative purposes, it is passed electronically (using encryption) and without visual inspection directly to the online processing gateway.

Transaction failures caused by CVV validation errors are always investigated and, if appropriate, escalated to the credit card company.

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