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Transaction Center & VPOS Support

CVV2 (Card Verification Value)


An important security feature for card-not-present transactions appears on the back of most credit cards. This feature is a three-digit value which provides a cryptographic check of the information embossed on the card.

CVV2's Location: The CVV2 three-digit value for Visa/MasterCard, four-digit for Amex, is printed on the signature panel on the back of credit cards immediately following the card account number. The CVV2 value helps validate two things: That the customer has their credit card in his/her possession, and that the card account is legitimate. CVV2 is not contained in the magnetic stripe information, nor does it appear on sales receipts. If a CVV2 code is entered for a transaction, the CVV2 Response Code will be displayed in the Transaction Center.

Location of CVV2

NOTE: CVV2 is optional by default. You can set CVV2 to mandatory in the Global Options section of your management console.

Full List of CVV2 Responses

  • M: Match
  • N: No match
  • P: Not processed, CVV2 could not be verified
  • S: Issuer indicates that CVV2 should be present on the card, but no CVV2 data was entered with transaction
  • U: Issuer does not support CVV2
  • No response/blank: Check failed either because CVV2 value entered is incorrect or no CVV2 value was entered

See Also

Article written by Bill W.