One of the advantages of the development of modern technology is that purchases can now be made without leaving your home. It is enough just to select the goods on the website of the necessary online store, indicate the place and date of delivery, as well as place the payment. The last paragraph implies that in a special form you need to fill in the card data, including a security code. It can be called differently on different sites: CVV2 / CVC2, security code, etc. This article provides information on what CVV2, CVC2 code is and where to find it. This data is very important when making any online payment, since an incorrectly entered code will result in a payment not being made.
Types of Codes
Each payment system uses an individual secret code. An exception are Maestro cards. There is no security code on them. Most popular bank card codes:
- CVV2 (Card Verification Value 2) - on Visa cards;
- CVC2 (Card Verification Code 2) - MasterCard system code;
- CID (Card Identification) - American Express code.
What is CVC2, CVV2 code and where to look for it
CVV2 or CVC2 is a special code located on the back side of the card, in a small bright bar, next to the signature bar, immediately after the full number or the last 4 digits of the card number. It consists of 3 digits and is an independent element of protection. Designed to verify compliance of user data with map data. What is CVV2, CVC2 and its location on the map can be considered in detail on the images presented in this section.
CID - identification code, which is located on the right side of the American Express card.
It is very important not to confuse the PIN code of the card with the security code. The latter cannot be read from the magnetic strip of the card or chip; it is not on the check. It cannot be changed in the same way as a PIN code. It changes only with the release of a new card.
If the question arises, what is CVV2, CVC2 and how does it differ from CVV1 / CVC1, then the answer is a carrier. CVV1 and CVC1 are used to verify the card when paying directly at retail outlets, and CVV2 and CVC2 - when paying for goods via the Internet, including using virtual cards.
Why is it needed
The secret code helps to confirm that the client is the real owner of the card. This system is used to prevent fraudulent payments made by a stolen or electronically copied card. It is an added precaution. The great advantage of the code is that it is printed in flat letters, rather than convex as the card number. It can not be felt. As a further precaution, banks can block suspiciously large purchases or made at unusual locations.
When answering the question of what CVV2, CVC2 is on a bank card of Sberbank Visa Virtual or MasterCard Virtual, which do not have a physical medium, it should be noted that the secret code on such cards is sent in the form of SMS to a mobile phone. In rare cases, it is displayed on the screen when making a card.
What to do if CVV2 / CVC2 is not on the map
Having figured out what CVV2, CVC2 code is on a bank card, we turn to the question of what to do if it is not on the card. First of all, you need to check the type of card again. As previously mentioned, this code is not available on Maestro cards. Also, the code is not on the first level debit cards (with the prefix Electron or Electronic in the name). These cards were originally intended only to withdraw cash from ATMs, and not to pay for online purchases. Although the release of Visa Electron CVV2 is still formed, it is not visible on the map, and the ability to pay for goods via the Internet is determined by the issuing bank.
If there is no security code on the card, you can try to make a purchase of goods on the website of the store that accepts Maestro cards, or spend time searching for an online store that does not require entering a secret security code when making payments. One and the second are rare, but they exist, as some buyers are afraid to enter a security code when making online payments.
Internet fraud
For cardholders, both virtual and physical, security of payments is of great importance. Therefore, it is so important to know what CVC2, CVV2 code is. Although it provides additional security measures, cases of fraud still occur. It is enough for dishonest "craftsmen" to find out only the details of the card in order to gain access to money. They get these details through phishing, that is, under the guise of well-known sites and portals, they massively send messages asking them to provide passwords, logins and credit card information. The letters contain links to fake pages on the Internet. By clicking on the link and entering your data, you can lose all the money in the account. With the help of phishing scammers steal data not only from virtual plastic cards, but also from those cards that are physically in the wallet.
With the development of financial technologies, payment systems are actively introducing 3d-Secure technology, which complements the basic methods of protecting payments. Before the transaction, a password is generated, which is sent to the cardholder in the form of SMS on a mobile phone. Payment is carried out only after entering the password in the appropriate form.
Summary
The secret code on payment cards is an additional precaution when making online payments. It consists of three or four numbers, located on the back or front of the card (depending on the type of card). Without this code, in most online stores it is impossible to make a payment. Here is what CVV2, CVC2 code is.