Shopping at online stores, payment of air and rail / train tickets and services of various companies, as well as other payments made online, have long been the norm for the modern man.The increasing spread of internet shopping is accompanied by strong growth of fraud.There is a need to invent new ways to protect bank cards against access by detractors.One of the latest measures taken by the international payment systems, became CVV-code.
What is this "beast" and where he lives?
CVV-code - Protective numbers marked on the back of the card the most popular payment systems.It is located on the strip intended for the signature and is composed of three digits.It is these numbers and to reduce the risk for people to shop online.
However, not all cards have similar protection.Let's consider the example of a payment system Visa.So, unregistered electronic cards, you can simply not find a CVV-code.Visa Electron, for example, was initially designed for electronic purchases through special terminals.In this case, you can determine the cardholder to make transactions (requires presentation of a passport, a PIN) or not.Later, some banks started to issue electronic cards Visa coated CVV-code.However, there is always the possibility of making purchases over the Internet, it depends on the issuing bank.
decision to buy depends on the presence of CVV-code
What card is required to have a CVV-code?Visa Classic category and above must contain three defensive numbers on the reverse side.They are located to the right of the holder's signature.In order to pay such a card services or products via the Internet, before the end of the operation required to enter the CVV-code
This requirement is due to the fact that any Visa card is configured to automatically check for the above protecting data.Naturally, in addition to the CVV-code, you must also enter the basic information about the card and its holder, namely: FI O card number and expiration date.
Be vigilant!
posleduschego often after the operation, the service does not ask for CVV-code again.Thus, for example, occurs when transferring money system Skype.Therefore, the risk of using the information entered is still available.To protect themselves from fraud, after the operation delete your data from the memory of such services.
CVV-code is not only the Visa, but also for MasterCard, and American Express.The first two cards and payment systems are very similar, including data and code which represents three numbers on the reverse side of the plastic.At American Express it consists of four digits printed on the front side of the card.Be careful when using a means of payment in public places to prevent getting information about it in the wrong hands.
How else can you secure your online shopping?
can also advise to use for online shopping a separate card, the money for which you will need to translate if the commission of such an operation.All the rest of the time it will have a zero balance, and the cheater can not withdraw money from there, even if you really try.
There is a special card for payment entirely online - Visa Virtual.Information about her CVV-code will be available to you immediately at the time of issue.It can be complementary to any of your existing cards Visa, and the need to enter information about the main means of payment will disappear.
