3.4 CCV Security Codes
What is CCV?
The CCV is a three or four digit value printed on a payment card (usually on the signature
panel), used to verify card-not-present transacons.
CCV security codes are a way to lessen the risk of fraud and chargeback when the cardholder
is not physically present, or when a card cannot be inserted/swiped successfully. In these
cases you can key in the card number.
A CCV security code is printed on the card but does not appear on receipts. When you key
in the CCV code, a check is made that the code matches the card number. This gives greater
assurance that the customer is in possession of the card.
Note:
• Some cards do not have a CCV code.
• CCV (Card Check Value) is also known as CVV and CVC.
Where can I nd the CCV Security Code?
Some cards, for example Mastercard and Visa, have a three-digit CCV printed on the
signature panel on the reverse side of the card. Other numbers may precede the CCV. The
last three digits on the signature panel are the CCV.
Other cards, for example American Express, have a four-digit CCV on the front of the card,
above the account number.
Some cards do not have a CCV.
Should I save CCV Security Codes?
No. It is prohibited to store the CCV codes. They must remain secret. You must not write
them down or save them electronically. Doing so might lead to heavy penales.
AUTHORISED SIGNATURE
NOT VALID UNLESS SIGNED
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