What Is a CVV Number?

You probably won't be asking yourself, "What is a CVV number?" unless you're doing some online shopping. The CVV is an anti-fraud tool used by credit card issuers to verify account information before processing an online transaction.

You'll usually find the 3- or 4-digit CVV on the back of your credit card, but there are exceptions. We'll explain everything you need to know about this small and often-overlooked credit card safety feature.

What is a CVV number?

Credit card companies have a number of anti-fraud security features in place for online transactions; a credit card CVV is just one of them.

By entering a card's distinct CVV, credit card networks can verify that the cardholder is truly the one trying to make an online purchase.

What does a CVV stand for?

CVV stands for "card verification value". All credit cards and debit cards that bear the Visa and Mastercard logos have 3-digit CVVs, while American Express cards have 4-digit CVVs.

The CVV adds an extra layer of security to your card. If someone happens to have your credit card number but not your physical card, they won't be able to make any purchases unless they can see the CVV on the card.

You'll also see the CVV called a CSC (card security code), CVC (card verification code), or CVV2, which is a second-generation CVV code that is harder to guess.

CVV vs. PIN

The CVV is not the same as your PIN (personal identification number).

• You'll need your CVV to make a phone or online purchase with your credit card – all reputable online merchants will ask for it.
• Your PIN is what you enter when you put your credit card into a payment terminal or ATM during an in-person transaction.

Why is a CVV number important?

CVVs exist to prevent credit card fraud.

Would-be criminals need a lot of information to use your credit card for purchases, and the CVV adds one extra step to the transaction to prevent this type of fraud.

How it reduces fraud

When you shop online, here's the credit card information you'll need to enter:

• Name
• Billing address
• Credit card account number
• Expiration date
• CVV number

If someone steals your card, they'll have 4 of those things – but they won't have your address.

Likewise, if your credit card account is hacked, fraudsters will get everything except the CVV number on your physical card.

How to protect your CVV

You probably already know this, but you shouldn't share your credit card or give your card details to anyone, even if they're making purchases for you. If you accidentally leave your card somewhere, try to retrieve it as quickly as possible.

When you shop online, make a point of only buying things when you're on a secure network. Sorry, but this means no shopping while you're using public Wi-Fi.

And while you're addressing security issues, update your passwords to strong ones that can't easily be guessed.

When websites give you the option to use 2-factor authentication, take them up on it! This adds another layer of protection to your account.

If you tend to shop online frequently, you might consider using a virtual credit card. With a virtual card, your credit card issuer generates a unique single-use card number, so you're not entering your actual credit card number.

Also, it's worth reminding you to read your credit card statements at least once a month. Scan transaction details, so you can quickly catch fraudulent transactions and report them to your card issuer.

Where to find your CVV

The network your card belongs to will dictate where you'll find the CVV number. On Visa and Mastercard, it's on the back of your card next to the signature strip. These cards feature a 3-digit number.

Visa and Mastercard CVVs

Here's a real-life example from the Scotiabank Passport Visa Infinite + Card.

And here's what it looks like on the MBNA Rewards World Elite Mastercard.

American Express CVVs

On Amex cards, you can find the CVV on the front on the right-hand side. Amex cards feature a 4-digit number. Here's what it looks like on the American Express Aeroplan Reserve Card.

Important note: You may notice that Amex cards also have 3 digits on the back next to the signature bar. While this might look like a CVV, it's actually a separate security code you'll need when you contact American Express. They'll ask for this while verifying your account.

FAQ

Where do I find my CVV number?

If you have a Visa or Mastercard, check the back of the credit card, to the right of the signature bar for your 3-digit CVV. It's usually above the credit card network emblem. For Amex cards, check the front right-hand side for the 4 digits that make up your card's CVV.

Is it safe to give your CVV number?

No, you should never give your CVV number to anyone unless you're completing a transaction and you completely trust the merchant. Don't share your CVV number with friends or family. Giving out your CVV number eliminates an important layer of anti-fraud security for your credit card account.

Is the CVV for American Express different?

Yes – both in number of digits and location. Instead of featuring a 3-digit CVV, American Express credit cards use a 4-digit CVV. It's also located on the front of the card, whereas CVVs for Visa and Mastercard are generally found on the back.

What is a CVV number on a debit card?

Like credit cards, a CVV number on a debit card is a 3-digit number located on your card, used to prevent fraud. Most debit cards in Canada do not have CVVs, but some Visa and Mastercard branded cards have them, typically on the back. While Amex doesn't offer a traditional debit card in Canada, its charge card features the same type of 4-digit CVV as on its credit cards.

How can I find out my CVV number without my card?

For your security, there is no way to retrieve your CVV without possession of your card. If your card has been lost or stolen, you should contact your issuer as soon as possible in order to cancel the card and obtain a replacement.