The credit card CVV consists of three simple digits that are used daily by millions of people around the world, but not all of them know what they mean. With the increase in card purchases, especially in the online environment, the need for more security in operations has only increased.
Among the many measures taken by card companies, the CVV is among the most necessary security codes, as it is always located in a specific region of the card, so that each customer can access its benefits.
On the other hand, the accessibility of the credit card CVV weakens this security measure, which requires knowing how to protect it.
See below for details on what a credit card CVV is, where it is located and what it is used for. Also find out about the security level of such a code, why it is necessary to inform it when shopping online and how to protect it.
What this article covers:
What is credit card CVV? Card verification code
The acronym comes from English and means Card Verification Value, which in simple translation means Card Verification Value. The idea behind this code is to assure the card operator that the purchase is made only by the cardholder.
Obviously, the intention behind creating this code is to protect the holder as well as the operator from fraudulent transactions.
Card Security Code or Security Code
The name “Security Code” is another, more popular, way of referring to the credit card CVV.
Where is the CVV code located on the credit card?
As a matter of standard, the CVV of the credit card is at the back, under the black magnetic strip, formed by three digits arranged, generally, on a white background.
The American Express card is an exception, as it shows its Security Code on the front, and the number consists of 4 digits.
What is the CVV security code for?
Every credit card purchase made in a physical store necessarily requires the use of a password. But, so that it is not used for online purchases, the credit card CVV comes into play as a verification code.
What is the function of the CVV?
In addition to security in online purchases, the CVV of the credit card also protects the holder from having problems in cases of theft.
The code is unique, formed from a calculation of numbers encrypted by an algorithm. In other words, this verification code takes on the role of a numerical fingerprint, whose only owner is the holder himself.
Is CVV safe? Is the security code really secure?
Firstly, only the holder can access the CVV of the credit card, since the code does not appear anywhere else, if not on the back of the card itself, never in high relief. It also doesn’t show up on receipts.
In any case, the greatest care in relation to the credit card CVV is when making online purchases.
Why is it necessary to inform the CVV of the card when purchasing online?
In addition to being a unique, encrypted code, the credit card’s CVV prevents the holder’s password from being typed in an online environment. It’s both an extra protection and the only way to shop online, because without that extra verification, it’s impossible to close the deal.
Do I always need to inform the CVV of the card when buying online?
The CVV is a premise of online shopping, that is, completely necessary. Even though all card information is saved on a website, the CVV never stays, for greater customer security.
How to protect credit card security code?
When shopping online, the ideal is to be careful not to make purchases, that is, not to type the CVV, on public network computers. Another tip is to check the website address bar to see if it has that padlock symbol, as this means that the page is protected by the SSL protocol.
Other precautions are: never take photos of the CVV with your cell phone camera and always keep your computer’s antivirus up to date, especially before making a purchase.
When can I share the Card Security Code?
The credit card CVV should never be shared, as it is your extra guarantee of security. Even in case of theft, this code only works with the CPF of the holder.
As much as the credit card CVV is an extra security code, even more so for internet purchases, using common sense is always advisable. All of the above tips are simple and easy to remember. Thus, it is possible to reinforce the security level of your card.