What is a CVV? The three digits on the back of your card
By SendPay Business · · 2 min read
- 1Your card appears in your app
- 2Tap it to pay in a shop
- 3See every payment as it happens
A CVV, or card verification value, is the short security code printed on a payment card. On most cards it's the three digits on the back; on American Express it's four digits on the front. Card brands call it different names, such as CVC or CID, but it does the same job.
Why it's asked for
When you pay online or by phone, the shop can't see your physical card. Asking for the CVV helps show that the person paying has the card in hand, not just a copied card number.
Why it must never be stored
Card industry rules (PCI DSS) forbid businesses from storing the CVV after a payment is approved, even if encrypted. So if a shop's systems are breached, the codes shouldn't be there to steal.
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This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.