CVV2 Code Definition

By Phillip Parker

Last Updated: March 3, 2011

Merchant Account CVV2 Code Explained:

What is a Card Verification Code? Card Verification Codes, also known as “Card Verification Value Codes,” are three to four digit codes that are printed on the front, back, or signature line of a credit card as an added security feature designed to help prevent fraudulent credit card purchases. CVV2 codes are also sometimes referred to as a credit card security code, CVV code, CVV number, CVV2 number, signature panel code, MasterCard security code, credit card security number, or just the security code on a credit card. Below are some of the different credit card security code types that are currently in use across the different credit card and charge card brands:

MasterCard, Visa, Diners Club, Discover, and JCB credit and debit cards have a three digit code called the CVC2 (card validation code), CVV2 (card verification value), CVV, and CID (card identification number). The numbers are printed at the end of the signature panel on the right hand side of the credit card and are not embossed.
American Express prints a four digit code on the front side of the card just about the account number and is referred to as the CID code (Unique Card Code). It is also not embossed.

CVV2 Code Example

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Example of a CVV2 Code

CVV2 Video Explanation

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About The Author

Phillip Parker

Phillip Parker is an independent card payment expert specializing U.S. and Canadian point-of-sale, e-commerce, and mobile payment acceptance. He has nearly two decades of experience in credit card processing as a journalist and consultant. Phillip is the creator of this website and has written over 1,500 articles covering numerous payment acceptance topics. He has also published critical reviews about most merchant services providers currently in operation.

Expert Guidance

Phillip has consulted businesses of all sizes from mom-and-pop shops processing $10K per month to enterprise level organizations processing in excess of $300MM annually. His specialties include:

– Merchant Account Statement Auditing

– Rate & Fee Negotiation

– Processor & POS Selection

– Software Integrations

– Risk Assessment

– Fraud Prevention

– General Processing Advice

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Phillip’s Top Picks

Phillip has researched and reviewed over 1,000 merchant services providers over the last 15 years. He also owns multiple businesses that accept credit card payments. If you are looking for an ethical credit card processor that doesn’t hide fees or lock you into expensive contracts, see Phillip’s merchant account picks here.

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In addition his contributions on CPO, Phillip has also been quoted in several major publications such as The Los Angeles Times, INC Magazine, Miami Herald, Computer World, and numerous others. If you would like to interview Phillip for your story or podcast, please reach out here.

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