CVV number is required explicitly for online purchases as it provides an extra protection layer for card-not-present transactions such as online shopping.
But what if you don’t have your card? How to get CVV number without card? There are various options to get your CVV security code in such cases. You can log in to your online banking website/app and look for the CVV number within your card details.
Other than that, you can also call your bank and ask about your CVV number. You can also visit the bank directly. After the necessary verification, the bank will provide you with your CVV code. Let’s explore more about the CVV security code!
What is a CVV Code?
A CVV code is a security feature found on credit and debit cards. It’s typically a three- or four-digit number printed on the card, and it’s used to verify that you have the physical card in your possession when making online or over-the-phone purchases.
When you’re asked to provide your CVV code during a transaction, you should always check to make sure that the website or company you’re dealing with is legitimate. You should never give your CVV code to anyone who you don’t know and trust, and you should always make sure that any website you’re providing it to is encrypted and secure.
If you’re ever unsure about a transaction or a website, it’s best to err on the side of caution and not provide your CVV code. You can always contact the customer service department of the company you’re dealing with to verify that the transaction is legitimate.
History of CVV Codes
CVV code was first introduced in the UK by an employee of Equifax, Michael Stone. Initially, it was an 11-digit code, but soon it was reduced to a 3 or 4 digits code. In 1997, Mastercard was the first card network to implement the concept of CVV code. Later, in 1998 American Express also started using CVV codes. As for the Visa network, they implemented the CVV number in 2001.
Like other technologies, CVV code has also undergone various evolutions and updates. Depending upon the card issuer company, CVV is known by multiple names, such as CVC, CVD, CSC, or CINs.
This concept increased online shopping significantly, which led to more cybercrimes and credit card thefts. Since then, card issuers and law enforcement authorities have been working on security features to reduce credit card fraud.
3 Types of CVV Codes
Here are the three main types of CVV codes:
A CVV1 code is a security feature that is used to verify that a customer is in possession of their credit card. The code is typically printed on the back of the card and consists of three or four digits. When making an online purchase, the customer will be asked to enter their CVV1 code in order to complete the transaction. This code helps to prevent fraud and ensures that the customer is using their own credit card.
The CVV2 code is the three-digit number on the back of your credit card. It’s used as an extra security measure to ensure that only the person who has the card can make purchases with it.
When you’re making a purchase online, you’ll typically be asked to enter your CVV2 code when you’re entering your credit card information. This helps to verify that you are the rightful owner of the card and that the transaction is legitimate.
Dynamic CVV (iCVV)
iCVV is an important security feature for credit and debit cards that helps to prevent fraud. It is a dynamic code that is generated by the card issuer and is unique to each individual card. The code is not static like the CVV code on the back of your card, so it can not be copied or reused. This makes it much more difficult for fraudsters to use your card information to make unauthorized purchases.
How to Find the CVV Number?
If you’re looking for your CVV number, there are a few places you can find it. Here’s a quick rundown of where to look:
- On the back of your credit or debit card – your CVV number will be printed on the back of your card, usually near the signature strip.
- In your credit or debit card statement – if you can’t find your CVV number on the physical card, it should be listed in your card statement.
- In your online account – depending on your bank or credit card issuer, your CVV number may also be available in your online account.
- If you have a physical credit card, the number will be printed on the back of the card. It will be a three-digit number located near the signature strip.
- If you don’t have a physical credit card, you can usually find your CVV number by logging into your account online. Once you’re logged in, go to the “My Account” section and look for a link that says “Credit Cards.” Click on that link, and you should see your CVV number listed.
- If you still can’t find your CVV number, give your credit card issuer a call. They should be able to give you the number over the phone.
Once you’ve found your CVV number, make sure to keep it safe and secure. Don’t share it with anyone who you don’t trust, and never input your CVV number into an unsecured website or form.
How Does It Work?
In simple words, CVV is like your debit card security guard during online transactions. It provides an extra layer of security to your debit card against online fraud, credit card fraud, and other cybercrimes.
For instance, if someone illegally gets a hold on your debit card number, he still can’t use it for online transactions because online transactions can only be processed by providing a CVV code.
Card present transactions are transactions in which a cardholder swipes his card through a credit reader machine to pay for the product. In the case of a card-present transaction, the cardholder has to physically present the card and enter its PIN code for the transaction to be processed.
Card-not-present transactions are transactions in which the cardholder doesn’t have to present the card to the seller physically. In such transactions, the cardholder has to enter the CVV code to process the transactions manually. Card-not-present transactions usually occur in online shopping.
CVV Codes for Different Credit Cards
Here are some examples of how CVV codes are presented on different credit cards:
- American Express Cards: Four-digit code printed on the front side above the card number.
- Mastercard, Discover, Visa, JCB, and Diners Club cards: Three-digit code printed beside the signature panel.
- New North American Mastercard and Visa cards: Three-digit code printed in a separate panel beside the signature panel. This new feature prevents the signing from being mixed with the CVV code.
Benefits of a CVV Code
Here are a few benefits of the CVV code:
Protection Against Fraud
The significant benefit of the CVV code is that it protects you from credit card fraud or theft. Online shopping has become a trend globally. Online thefts are also increasing. CVV code is like a security guard that protects you against these frauds.
Thief Can’t Use Your Card Number Without CVV
Even if someone gets a hold of your card number, he will still be unable to make any online transfer or transaction from your card. Why? Because CVV codes are required for card-not-present transactions.
Merchants Can’t Reuse CVV
Moreover, it is also restricted for online sellers and merchants to use your CVV code for transaction purposes. It is against Per Payment Card Industry Data Security Standards.
CVV Ensures That User Is Actual Cardholder
It is easier for people to sneak peek at your card number. But they still can’t use it for any money transfer. Thus, in case of the card does not present transactions, the CVV code ensures that the buyer is the actual owner of the card.
How to Make Payments Without a CVV Code?
Here are some ways to make payments without a CVV code:
Send Money by Bank Transfer
Suppose you can’t locate your card, which means you don’t have your CVV code for online transactions or shopping. In such cases, you can use a direct bank transfer or money transfer facility to pay for your online shopping.
For bank transfers, you will be required to provide the following credentials:
- Your Full Name
- Your bank account number and sort code
- Bank details of the receiver
Send Money as Cash
You can also consider sending cash. Various money transfer providers allow you to send cash to someone, such as Western Union and Moneygram. The receiver can pick up the cash from the nearby franchise of that money transfer provider.
Send Money via PayPal
PayPal is another perfect solution to send money without a CVV code. You can link PayPal with your bank account by providing the required details. Once you have linked the bank account, you’ll not have to provide CVV each time you make a transaction. If you have your bank account linked, use this opportunity to send money without needing to provide a CVV code.
Can You Get Your CVV Number Without Your Card?
There are a few ways that you can find out your CVV number without actually having your card on hand.
- One way to do this is to simply call up your credit card issuer and ask them for your CVV number. They will be able to look up your account information and give you the number. This is probably the easiest way to get your CVV number if you don’t have your card with you.
- Another way to get your CVV number is to look on the back of your card. Usually, the number is printed on the signature strip on the back of the card. If you cannot find it there, it is likely that your card does not have a CVV number.
- If you are still having trouble finding your CVV number, you can try using an online tool such as Credit Card Finder. This tool will allow you to input your credit card information and it will return the CVV number.
How Do I Get my Chase Credit Card Number Without my Card?
You can get your Chase credit card number from your online chase card account. If you can’t access your Chase Card account, you can call 1-800-432-3117. Provide them with the required information. After your identity is verified, you’ll get your Chase Credit Card Number.
How Do Thieves Use Stolen Debit Cards?
- Thieves usually use stolen debit cards for online transactions. Because they don’t have to provide PIN codes for online transactions, they will use this opportunity to transfer the money to their account.
- Another way thieves use stolen cards is via shopping. They usually buy things that can be sold easily, such as jewelry, designer products, and electronics.
- Most people think thieves can’t get ATM withdrawals because they don’t have a PIN code. However, it depends on the thief. If he stole your wallet or purse, he may get a clue about your PIN and withdraw all the money.
- Some thieves even sell your credit card to other advanced thieves/hackers
- Some thieves might use your card to buy bulk gift cards and then later sell them to the public.
Do Credit Card Thieves Get Caught?
When it comes to credit card theft, the chances of getting caught depend on a number of factors.
First, if the thief is using your credit card information to make purchases online or over the phone, it can be difficult to track them down.
Second, if the thief is using your credit card to withdraw cash from ATMs or make in-person purchases, there are a number of ways that they can be caught.
It is printed on the back of most cards under magnetic strips. This 3 or 4-digit code is specified for card-not-present transactions. If you don’t have your card, you can get it by calling your bank or credit card issuer. Another option to get your CVV code is to access your online banking services and get it from the card details section.