If you are using credit cards, you also know that the type of code printed on the face of the card is very easy to see. However, few people know that it is very dangerous if you let others see it. This information is called CVV. So What is CVV/What is CVV? And what is the actual meaning of CVV/CVC to make it so important?

Let’s find out through the content of this article.

How does CVV number affect?
How does CVV number affect?

What is digital banking?

What is CVV/CVC code?

Credit cards are one of the most popular and convenient non-cash payment methods available today. With smart and modern features of the card, cardholders can pay directly at the counter via card swipe. At the same time, you can also pay your online shopping bills quickly and efficiently.

CVV/CVC is the security code of international payment cards, also known collectively as CSC number (Card Securty Code) – the card’s security code.

Location of CVV ​​number on card
Location of CVV ​​number on card

What is CVV number?

CVV (Verification Value) means card verification valuethis is a security code used to verify cards such as: Credit Card, visa card or Mastercard… You’ll find a 3-digit CVV code printed on the bottom of international payment cards, for example.

In order to increase security and reduce risks when paying online by credit card, a new card verification code is invented, abbreviated as CVV (Card Verification Value). This code is used for online transactions. When paying online, you just need to enter the CVV code to be able to make the payment, even without the pin code.

What is a CVC number?

CVC number stands for Card Verification Code, similar to CVV, CVC is also a card security code but is used to verify MasterCard cards.

Where is the CVV/CVC number recorded?

CVV/CVC number is an international payment card security code. You’ll find the 3-digit CVV/CVC code in reverse italicized in black ink, behind the signature stripe on the back of your Visa/Mastercard.

Difference between CVV and CVC

CVC and CVV both work with the same function as the security code of credit. However, the difference between these two types of codes is that each code supports a different type of card:

  • Code CVV: support Mastercard
  • CVC Mã code: support Visa card


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Function of CVC/CVV . number

The function of CVV/CVC number is to check the use value of credit card products including MasterCard and Visa cards. When customers pay via card, the issuer can conduct decryption to determine the validity of the card. In case the card expires, the CVV/CVC code will no longer be valid.

Besides, CVC/CVV numbers are also used frequently in online payment transactions.

Instructions to use CVV Code to pay

The use of CVV ​​code for payment applies in cases of Online purchase. To pay bills with CVC code, follow these steps:

Step 1: Visit the website to sell welding and select the goods/services to buy

Step 2: Go to the payment page, choose the payment method by Mastercard / Visa

Step 3: Fill in the required information to verify the card and the card holder. Each different website will have different information forms. In general, customers need to fill in some basic information as follows:

  • Cardholder’s name: is capitalized without accents, embossed on the front of the card. Note, the cardholder’s name when filling out the verification form must be unsigned as printed on the card.
  • Card number (Card number): embossed on the front of the card, including a sequence of 16 or 19 depending on the bank.
  • Expiry date of the card: Because some debit or credit cards have both the issue date and the expiration date, customers need to keep this in mind when filling out verification information to avoid confusion.
  • CVV/CVC: Entering the CVV/CVC code is the final step to complete the verification process. Some websites, after filling in the CVV/CVC code, will send the OTP code to the bank card registration phone number for confirmation. But on the other hand, there are also some websites that do not need OTP confirmation code over the phone but accept CVV/CVC numbers that customers fill in immediately.
Use a credit card to pay the bill
Use a credit card to pay the bill

Step 4: After clicking confirm, OTP code will be sent to your phone number. Enter the OTP to confirm the payment process

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What happens if CVV/CVC code is leaked?

As you know, CVV code is used to verify transactions when you use credit cards to make payments, including online payments, in-store shopping payments, payment when using services… Therefore, if Unfortunately, CVV code is revealed, your personal information will be stolen. The greater risk is that fraudsters will use your card information to pay for transaction activities, causing financial loss.

Revealing CVV code causes many risks
Revealing CVV code causes many risks

Here are some common reasons for CVC/CVV numbers to be exposed:

  • Do not check for abnormal signs of POS or ATM machine before transaction.
  • Visit a website containing malicious code.
  • Do not put the card in sight when handing it to the cashier or leave the card too visible…

Notes when using CVC/CVV numbers for payment

Use public computers to pay online.


  • Always protect your computer and phone from viruses.
  • Always keep a check against your monthly credit card statements.
  • Check for abnormal signs of POS or ATM machine before transaction. Fraudsters can install a camera or a device to record your card information right at POS machines and ATMs.
  • Access to the reputable website with a URL starting with “https://” and an SSL certificate..
  • Put the card in sight when handing it to the cashier or leave it too obvious… Fraudsters can take advantage of your inattention to record your card information in a flash.

The safest way to secure CVV/CVC number

Erase/cover number

If you look closely, you will see that the CVV number is the last three digits next to the cardholder’s signature. These numbers are clearly printed and easy to remember, so it’s best to delete the number as soon as you receive the card. Also write this number down on your phone or write it down on paper to keep it safe in case of an accident. This is the way financial experts advise to prevent the risk of bad situations happening.

Check information before paying

Besides, you also need to note that you should only use Mastercard/Visa credit cards at secure websites or swipe them at POS machines at major stores. You need to make sure you are always present while handing the card to someone else to swipe. Please choose a bank’s international credit card that uses OTP security when paying online.

How to keep CVV most secure?
CVV is an important information in the payment process

Sign your name on the back of the card with the code CVV

When you use a credit card to pay a bill, signing your name on the card helps the cashier to check that the signature on your bill matches the signature on the card. This helps detect cases of using stolen cards for payments

Register for the service “Verified by Visa/MasterCard”

“Verified by Visa/MasterCard” is considered a safety shield when you shop online. After filling in payment information, the website’s payment system will send an OTP code to your phone. Only when you enter this code correctly will your payment be confirmed.

How to delete CVC/CVV . number

You should know, as long as you have complete information about the card number, full name, valid and expired date, CVV/CVC number printed on the card, hackers can easily manipulate your account. So as soon as you receive your Visa/Mastercard card, please memorize it and delete the number or blur the CVV/CVC number printed on the card. Or cause confusion so that crooks don’t know exactly what the erased number is.

When deleting or dimming, it is necessary to ensure that the magnetic strip or card chip is not scratched, even if the card is warped, the transaction will still be normal. This is a tip to help users’ information be better secure, but if you are always careful and vigilant when dealing with cards, you will never have to use these options.

In addition, to ensure safety, to prevent leaks, you should note:

  • Before making an online purchase, don’t forget to register for the Verified by Visa/MasterCard service to receive an OTP code as the “last security pin”.
  • When buying online, choose a website with an encrypted https:// protocol (blue padlock on the website domain name). This is very important, and can be the deciding factor in the security of your information.

Where to pay without CVC/CVV . number

The CVV/CVC code is necessary for payment confirmation, but it is not applicable everywhere. Some places do not need to use CVV/CVC code when paying, such as:

  • Hotels of three or more stars. When customers make a reservation and use the online payment method via card. You only need to fill in the card number, full name and name of the cardholder without having to enter the CVV/CVC code. Money is then still deducted as usual to ensure customer safety.
  • The world’s leading large e-commerce sites like Amazon can also make quick payments without entering CVV/CVC numbers.


What is CVV? CVV is an extremely important security code for customers using credit cards. Everyone knows that paying online by credit card is extremely convenient and fast. However, you also need to understand important information such as “what is a CVV code?” to ensure safety.

Above is some information to share to explain the question: What is CVV? The best way to secure CVV. Hopefully, through this article, Banktop has brought you useful information in the process of using your card.


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Information edited by: banktop.vn

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