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3-digit code
One more layer of security
from Visa
Also known as the
Cardholder Verification Value or, CVV2, these three
numbers help ensure that the physical card is in the
cardholder' s possession while shopping online or by
phone, helping to prevent unauthorized or fraudulent
use.
Where can I find it?
The 3-digit code
is located on the back of your card, inside the
signature area. Typically the signature panel will have
a series of numbers, but only the last three digits make
up the CVV2 code.
What does it do?
It' s actually
more about what it prevents. When shopping online or
over the phone, the 3-digit code helps merchants ensure
that the card is in the right hands. Merchants will
request the CVV2 at checkout from the cardholder, and
the information is sent electronically to the
card-issuing bank to verify its validity. Within seconds
the CVV2 results are returned with authorization. If it'
s returned invalid, merchants have the right to stop the
transaction.
And for your added protection,
merchants are prohibited from keeping or storing the
CVV2 number after the transaction has been completed.
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