CVV Result Codes - USAePay Help (2024)

  • Card Security Codes
  • Introduction
  • Storage and Security Considerations
  • Reference

Introduction

Card Verification Value (CVV) provides an additional level of online fraud protection. The card security codes are 3 or 4 digit codes printed or embossed on Visa, Mastercard, American Express and Discover cards. These codes are also referred to as CVV2, CVC, CSC or CCID. Their purpose is to provide additional protection against fraudulent card use.

Storage and Security Considerations

The card security codes are considered highly sensitive data and should never be stored, even in an encrypted format. Storage of this value will place the merchant in jeopardy with PCI and CISP compliance.

Reference

Where To Find the Code

American Express

A four digit non-embossed number on the face of the card.

CVV Result Codes - USAePay Help (1)

Discover

A three digit non-embossed number on the back of the card printed within the signature panel after the account number.

CVV Result Codes - USAePay Help (2)

MasterCard

A three digit non-embossed number on the back of the card printed within the signature panel after the account number.

CVV Result Codes - USAePay Help (3)

Visa

A three digit non-embossed number on the back of the card printed within the signature panel after the account number.

CVV Result Codes - USAePay Help (4)

Response Codes

The following is a list of result codes for the CVV2/CVC2/CID verification system and what each one indicates.

The card security codes are 3 or 4 digit codes printed or embossed on Visa, Mastercard, American Express and Discover cards. These codes are also referred to as CVV2, CVC, CSC or CCID. Their purpose is to provide additional protection against fraudulent card use. Below is a list of possible result codes.

CodeMeaning
MMatch
NNo Match
PNot Processed
SShould be on card but not so indicated
UIssuer Not Certified
XNo response from association
(blank)No CVV2/CVC data available for transaction.

Additional Information

For addition information on card security codes please visit the following links:

CVV Result Codes - USAePay Help (2024)

FAQs

CVV Result Codes - USAePay Help? ›

The card security codes are 3 or 4 digit codes printed or embossed on Visa, Mastercard, American Express and Discover cards. These codes are also referred to as CVV2, CVC, CSC or CCID. Their purpose is to provide additional protection against fraudulent card use.

What is the CVC result code? ›

The Card Verification Code, or CVC*, is an extra code printed on your debit or credit card. With most cards (Visa, MasterCard, bank cards, etc.) it is the final three digits of the number printed on the signature strip on the reverse of your card.

What is the recommended action if CVV2 result code is U? ›

Content
CodeDefinition
UIssuer does not support CVV2
W9-digit ZIP Matches, Address Does Not (MasterCard only)
XAddress & 9-digit ZIP match (Discover, MasterCard)
YAddress and ZIP Match
15 more rows
Mar 19, 2024

What is CVV result code 2? ›

CVV2/CVC2/CID is a security feature for transactions where your credit card is not physically present. It is a three or four digit value which provides our payment system with a check of your credit card's authenticity. The terms are generally used interchangeably.

How do I fix CVV error? ›

Sometimes these numbers can become worn, so make sure you double check the code and try again. If it fails again, you will need to contact the credit card provider to verify the CVV code or try another payment method.

What is CVV results? ›

Card Verification Value (CVV) provides an additional level of online fraud protection. The card security codes are 3 or 4 digit codes printed or embossed on Visa, Mastercard, American Express and Discover cards.

What are the most common CVC codes? ›

MOST COMMON CVC CODES Flashcards
  • RECKLESS DRIVING ON HIGHWAY. A. 23103(A) ...
  • SPEEDNG. A. 23109(A) ...
  • DUI. A. 23152. ...
  • UNLICENSED DRIVER. A. 12500(A) ...
  • DRIVING ON A SUSPENDED LICENSED. A. 14601(A) ...
  • TURNING W/OUT SIGNALING. A. 22108.
  • FAILING TO TURN RIGHT FROM EDGE OF ROADWAY. A. 22100(A)
  • UNSAFE LANE CHANGE/ STRADDLE. A. 21658(A)

What is the CVV response code incorrect? ›

What does transaction response code 82 - CVV Validation Error mean? The customer's card issuer has declined the transaction as the CVV is incorrect.

What is the CVV validation rule? ›

The valid CVV (Card Verification Value) number must satisfy the following conditions:
  • It should have 3 or 4 digits.
  • It should have a digit between 0-9.
  • It should not have any alphabet or special characters.
Dec 21, 2022

What are we verifying with CVV? ›

A CVV is used to verify payments online and over the phone, which provides a layer of protection against identity theft. A PIN is used in person to authorize account access at an ATM or during an in-store transaction.

What is the CVV code 3? ›

VISA, MasterCard, Discover: The CVV code is the last 3 digits after the credit card number on the back of the card in the signature area.

What is the CCV2 code? ›

The CCV/CCV2 security code for your MasterCard, Visa or Discover card is the three-digit number on the back of your credit card, immediately following your main card number.

How do you read a CVV? ›

To find your CVV number, turn your card over: it should be printed below the magnetic strip. While the magnetic strip conceals the first few digits, the last three or four digits of your CVV is usable for online transactions. What security measures should I take to protect my credit card number?

Why is my CVV code invalid? ›

This can occur for a few different reasons: The 3-digit security code on the back of the Visa, MasterCard or Discover does not match what the card holder's bank has on file. For American Express this is the 4-digit code on the front of the card. The expiration date was entered incorrectly.

What if I can't read my CVV code? ›

If you can't read the CVV number on your credit card, please contact Credit Card Services to order a new one. Once you have received your new card, you will be able to apply for Online Banking.

What happens if CVV is wrong? ›

What Happens if You Enter the Wrong CVV? If you enter the CVV code incorrectly, the bank will decline the transaction. This is because if the CVV is entered incorrectly, it may indicate that the card is being used fraudulently, so the transaction will be rejected as a precaution.

What is CVC code used for? ›

What is a CVV (Card Verification Value) or CVC (Card Verification Code)? This is an anti-fraud measure used by credit card companies worldwide. It's a three or four digit number, usually located on the signature panel on the back of most credit cards. CVV is the method used by Visa and CVC is used by Mastercard.

What is the CVC code in California? ›

Code or the CVC, is the section of the California Codes which contains almost all statutes relating to the operation, ownership and registration of vehicles (including bicycles and even animals when riding on a public roadway) in the state of California in the United States.

What is CVC 3 digit code? ›

CVV stands for Creditcard Validation (or Verification) Value. The CVV is a 3 or 4 digit code embossed or imprinted on the reverse side of many credit or debit cards. This is an extra security measure to ensure that you have physical possession of the credit card itself.

Where is CVC code located? ›

Location. The card security code is typically the last three or four digits printed, not embossed like the card number, on the signature strip on the back of the card. On American Express cards, however, the card security code is the four digits printed (not embossed) on the front towards the right.

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