The purchase of goods in online stores, payment for air and train tickets, services of various enterprises, as well as other payments made online, have long become the norm for a modern person. The increasing spread of online shopping is accompanied by an active increase in fraud. There is a need to come up with new ways to protect bank cards from access to them by ill-wishers. One of the latest measures taken by payment systems has become a CVV code.
What is this "beast" and where does it live?
CVV-code - security numbers printed on the back of plastic cards of the most popular payment systems. It is located on the strip intended for signature and consists of three characters. It is these numbers that help reduce risks for people shopping online.
However, not all cards have this protection. Consider this with the example of Visa payment system. So, for non-named electronic cards, you can simply not find the CVV code. Visa Electron, for example, was originally intended to make electronic payments for purchases through special terminals. In this case, you can determine whether the operation is performed by the cardholder (requires the presentation of a passport, entering a PIN code) or not. Later, some banks began to issue Visa electronic cards with a CVV code. However, it is not always possible to make purchases on them via the Internet, it depends on the issuing bank.
The purchase decision depends on the availability of the CVV code.
Which cards do have a CVV code? Visa Classic and the categories above must necessarily contain three protective digits on the back. They are located to the right of the owner's signature. In order to pay for services or goods via the Internet with such a card, you will need to enter a CVV code before completing the operation
This requirement is due to the fact that any Visa card is configured to automatically check the specified security data. Naturally, in addition to the CVV code, you also need to enter basic information about the card and its holder, namely: F. I. O, card number and expiration date.
Be carefull!
Often after subsequent operations, the service does not request the CVV code again. So, for example, when transferring money to the Skype system. Therefore, there is still a risk of using the entered information. To protect yourself from scammers, after the operation is completed, delete your data from the memory of such services.
Not only Visa has a CVV code, but also MasterCard and American Express. The cards of the first two payment systems are very similar in many ways, including this code, which is three digits on the back of the plastic. At American Express, it consists of four numbers printed on the front of the card. Be careful when using this payment tool in public places to prevent information about it from falling into the hands of intruders.
How else can you secure your online shopping?
You can also advise using a separate card for online shopping, the money you will transfer to if you need to complete such an operation. The rest of the time, she will have zero balance, and the fraudster will not be able to withdraw money from there, even if he tries hard.
There is also a special card for payment exclusively on the Internet - Visa Virtual. Information about its CVV code will be available to you immediately at the time of release. It can become additional to any of your Visa cards, and the need to enter information about the main payment tool will disappear.