One of the advantages of modern technology is that you can now make purchases without leaving home.Simply select the desired online e-shop goods, specify the place and date of delivery, as well as making the payment.The last point means that in a specific form to fill the map data including the security code.On different websites it can be called differently: CVV2 / CVC2, security code, etc... In this article presents information that is CVV2, CVC2 code and where to find him.These data are very important in the implementation of any online payment, because the incorrect code will result in the fact that the payment will not be held.
Forms code
Each payment system uses an individual secret code.The exceptions are cards Maestro.They have no security code.The most popular codes of bank cards:
- CVV2 (Card Verification Value 2) - on the cards Visa;
- CVC2 (Card Verification Code 2) - the code of MasterCard;
- CID (Card Identification) - code for American Express.
What is CVC2, CVV2 code and where to find
CVV2 or CVC2 - a special code, which is located on the back side of the card, a small light strip, next to the signature strip, immediately after the full number or the last4 digits of the card number.It consists of 3 digits and is an independent element of protection.It is intended to verify compliance with the user data to the data card.What is the CVV2, CVC2 and its location on the map, you can see details in the images presented in this section.
CID - the identification code, which is to the right on the front side with American Express.
It is important not to confuse the PIN card with security code.Last can not be considered a magnetic stripe card or a chip, it is not on the receipt.It can not be changed in the same way as the PIN code.It changes only with the release of a new card.
If the question arises, what is the CVV2, CVC2 and how it differs from CVV1 / CVC1, then the answer - carrier.CVV1 CVC1 and is used to verify card when paying directly to the outlets, and CVV2 and CVC2 - when paying for goods via the Internet, including the use of virtual cards.
Why does he need
secret code helps to confirm that the client is the true owner of the card.This system is used to prevent fraudulent payments made by the stolen or copied electronically card.It is an extra precaution.The great advantage of code that is printed flat letters rather than convex as the card number.It can not touch.As a further precaution, banks can lock suspiciously large or made in an unusual place of purchase.
Asked what a CVV2, CVC2 on the bank of the Savings Bank Visa Virtual card or MasterCard Virtual, which have no physical media, it should be noted that the secret code on these cards is sent in the form of SMS on your mobile phone.In rare cases, it is displayed on the screen when you make a card.
What if the CVV2 / CVC2 on the map is not
deal with the fact that this code CVV2, CVC2 on the bank card, go to the question of what to do if it is not on the map.First of all, you need to double-check the card type.As previously mentioned, on Maestro cards this code is not available.Also, the code is not on the first level of debit cards (with the prefix Electron or Electronic in the title).These cards are initially intended only for cash withdrawals at ATMs, not paying online shopping.Although the issue of Visa Electron CVV2 is still being 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 security code on the card is missing, you can try to arrange the purchase of goods in online store that accepts cards Maestro, or spend time searching for an online store that does not require a secret security code when you make payments.And the second one are rare, but they exist, as some buyers are afraid to enter the security code when you make online payments.
Fraud Internet
cardholders both virtual and physical safety is of great importance payments.It is therefore important to know what CVC2, CVV2 code.While it provides additional security measures, fraud still happen.Dishonest "craftsmen" enough to know only the card details in order to gain access to the money.They receive these details through phishing, ie under the guise of well-known sites and portals massively send messages asking for passwords, logins and credit card details.The emails contain links to fake Internet pages.Following the link and entering your data, you can lose all the money in the account.With phishing scammers stealing data, not only virtual cards, but the cards are physically located in your wallet.
With the development of financial technology payment systems are actively implementing 3d-Secure-technology, which complements the main methods of payment protection.Before the transaction generated password, which is sent to the cardholder in the form of SMS on your mobile phone.Payment is carried out only after entering the password in the appropriate form.
Summary
secret code on payment cards is an additional precaution when you make online payments.It consists of three or four numbers is on the back or front of the card (depending on the type of card).Without this code, in most online stores impossible to payment.That's what a CVV2, CVC2 code.
