The CVV (Card Verification Value) is the short security code on your card — usually 3 digits on the back or 4 digits on the front of some cards. It proves you physically hold the card during online purchases. Here is everything to know.
Why CVV Exists
Online merchants cannot check your ID, so the CVV adds proof the card is in your hands. It is not stored in most merchant systems, which reduces fraud risk.
Where to Find It
On most Visa/Mastercard cards: the last 3 digits of the signature strip on the back. On Amex: the 4-digit code on the front.
Why You Should Never Share It
Legit companies verify the CVV at checkout but should never ask you to read it over the phone, by SMS or email. Sharing it with strangers enables card-not-present fraud.
Staying Safe
- Never screenshot or store CVVs in notes.
- Avoid saving CVVs on untrusted sites.
- Report any request for CVV via call/message.
FAQ
Is CVV the same as a PIN?
No — the PIN is used to authorise in-person/ATM transactions; the CVV is for card-not-present (online) verification.
What if my CVV is wiped off the card?
Ask your bank for a digital copy or a replacement card.
Related: Credit Card PIN Safety and Credit Card Refunds.