Published on:
December 30, 2022
Reddy Mohith

CVV Number on Debit or Credit Card

Online transactions using a debit or credit card require users to provide the CVV number with the card number for a successful payment. But why is the CVV number significant? The CVV number does not only help in payment completion and provides a couple of other security features that the card number alone cannot provide.

 So, when doing online transactions, you need to understand everything to protect your funds and yourself from getting into any fraudulent activities. Read further to understand more about the significance of CVV numbers and how they can affect your bank accounts when disclosed to the wrong people.

What is the CVV number?

One of the most widely used terms in the debit and credit card sector is CVV. CVV is an acronym for card verification value that helps to minimize fraudulent activities. It is a three or four-digit number (in most cases, the CVV is a three-digit number) created by the card issuer at the time of issuing to establish the distinctive identity of the card owner. However, different cards call them by multiple other acronyms, such as:

CVV or CVV2 – Card Verification/Validation Value

CSC – Card Security Code

CVC – Card Verification Code or Card Validation Code

CID – Card Identification Number

Visa cards use CVV2, while Mastercard carries CSC or CVV. Similarly, Discover & American Express cards have CID, while Amex cards have a 4-digit CID number printed on the card's front side. And for all the other cards, the CVV is a three-digit number that rests on the card's backside, near the signature space.

The sole purpose of every CVV number is to ensure that the card owner holds the physical card and takes charge of every transaction.

Types of CVV

Every ATM (debit) card or credit card contains two types of CVV. CVV in the black magnetic stripe that includes the user's details in binary code, followed by the one discussed before, the card with printed four or three-digit numbers in the white space behind the card.

Magnetic Stripe:

The magnetic stripe card carries the following benefits:

A magnetic stripe contains a lot of crucial and unique data about the customer, which is hard to decode for hackers.

Data Encryption Standard (DES) ensures to encrypt of the data and keeps the identity safe.

Without harming the user, the card reader reads the binary-coded information within the magnetic stripe when you swipe your card in ATM or any other store. Therefore, the card reader decodes the binary data to ensure the unique identity of the owner.

The card or stripe reader indicates the damaged card or an error if the stripe gets alternation. Thus it prevents the cards from theft and fraud.

Displayed Code:

The second form of CVV is the open number displayed on the card's backside. Their benefits include:

The unique code in the magnetic stripe gets converted into a three or four-digit number printed on the card. So, it ensures the physical possession of the card by the user.

The bank or card providers follow an algorithm that uses the primary user's information of the user when generating the CVV number, such as the account number, 4-digit expiration date, a three-digit service code, and many others. However, the public does not know the exact algorithm.

Card swiping machines and ATMs cannot store the CVV or other related information in their databases during online payments and other regular transactions. Therefore, it prevents defrauding actions as people cannot transact with only the card number.

No two debit or credit cards can have the same CVV number. So, this provides the uniqueness of the owner.  


The crucial thing to consider is that the CVV number only provides another layer of security, and it does not entirely ban fraud and theft. It tells us that you cannot avoid the loss you have to bear when somebody tricks you about your sensitive information, such as your PIN, account number, and CVV number via calls and emails.

Pro Tips to Avoid the Losses

Do not share sensitive data like passwords, PINs, CVV numbers, and account numbers with anybody, even with your dearest ones.

Do not share your ATM card and other finance-related pictures online, as it leads to issues.

If you doubt your ATM pins, try to block the cards ASAP.

Significance of CVV numbers in debit and credit cards:

The card issuers create the CVV number to provide another layer of security against fraud, theft, or any other unauthorized transactions. As a user, you should provide the CVV number to ensure the authority of the owner to perform successful online payments.

After entering the CVV number, the authorized person gets OTP (One Time Password) on their registered mobile number to complete the transaction. So, the CVV increases security as one cannot complete the payment without OTP. However, if you lose your card, somebody else can misuse it.


CVV is one of the essential factors when performing any online payment via debit or credit card. It is a three or four-digit number that provides unique authority or identification for the user. Since the CVV is an essential component, it is sensitive information that you should not and cannot share with anybody.


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