What is CVV Code in Debit and Credit Card?

What is CVV Code in Debit and Credit Card?

The use of plastic money has expanded dramatically due to the digital revolution, and most individuals prefer to pay merchants with their debit or credit card because it is one of the most convenient means of online payment. In these types of transactions, we frequently hear the term "CVV code," but do we understand what it means or where is the CVV on a credit card? We often overlook these details, but everyone should be aware of the significance of a CVV number and why it should be private. In this article, we will learn everything there is to know about CVV code and how to use it.

What is the CVV code?

The full form of CVV code is Card Verification Value. It's a three-digit code found on the back of your debit (ATM) or credit card. It is a secret code known only to respective cardholders and is crucial for online transactions.

CVV codes are used to offer an extra layer of protection to online and phone purchases. Because you're not physically presenting the card, you're proving that you have one, which can assist in securing your identity.

Where is the CVV on a credit card?

This CVV number is found on every debit and credit card. This is a unique number for each card. Banks and financial institutions provide CVV numbers based on the following information:

  • Debit/credit card number
  • Card expiry date
  • Service code
  • Issuer's unique code

A debit/credit card carries the following information: card number, the complete name of cardholder, date of issue, card expiration date, and CVV number.

These facts, especially the CVV number, card number, and expiration date, are private and should not be shared with anybody.

What is the difference between CVV and PIN?

PINs (Personal Identification Numbers) and  CVVs are not the same. Using your credit or debit card at an ATM requires a PIN. They're also used when using your debit card or credit card to make an in-person transaction at a point-of-sale (POS) terminal. When a store asks for your CVV,  don't use your PIN.

Also Read: How to Check Bank Balance Without Going to the Bank?

What are CSC and CVV2 numbers?

CSC or Card Security Code is another name for CVV number. CVV2 numbers (usually found in Visa cards) are the same as CVV. The "2" indicates that the CVV number was generated using a second-generation algorithm to make it more difficult to guess by hackers.

What is CVC?

Card verification code, or CVC, is essentially the same as CVV. It goes by different names depending on the card issuer, but it all serves the same purpose: to confirm your transactions. CVV2, CVC2, CSC (card security code), or CID (card identification number) are other terms you might encounter while conducting online transactions.

CVV Number Components

Card Verification Values (CVV) are divided into two parts:

Black Magnetic Strip

The black magnetic stripe on your card is a necessary component of CVV. You've probably noticed the black magnetic stripe on the back of your debit card. This black strip of debit card includes highly important unique data. When a card is swiped through a magnetic card reader machine, information is retrieved.

Three digits number

The CVV's second component is the three-digit number. When making an online transaction with your debit/credit card, these digits (CVV number) are necessary.

How to check CVV number?

The CVV of your card is printed on it, although the location may change. 

  • The CVV is usually found on the back of a Visa, MasterCard, or Discover card, at the far-right side of the box where you are supposed to sign the card. 
  • An American Express card's four-digit security code is normally found on the front, above the credit card number. 
  • The security code may be located elsewhere on the card, such as on the back, below the credit card number.

The CVV codes for debit and credit cards are provided below, organised by card type:

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CVV Code Location

No of Digits


To the right of the signature on the back of the card



To the right of the signature on the back of the card



To the right of the signature on the back of the card



To the right of the signature on the back of the card


American Express

Front of card, above and to right of the number