What are the 3 numbers on a card called?

The Mysterious Three: Understanding Your Card’s Security Code

Payment cards are ubiquitous in modern life, facilitating transactions both online and in physical stores. But beyond the card number and expiration date, a crucial security feature exists: a three-digit code printed on the back (or sometimes the front) of your card. While the specific name varies slightly depending on the card issuer, these codes all serve the same vital purpose: enhancing transaction security and reducing the risk of fraud.

Let’s clarify the terminology: the three-digit numbers you see are generally referred to by one of three acronyms:

• CVV (Card Verification Value): This is the most common term, frequently used by Visa and other card networks. It’s a dynamically generated code, meaning it’s not directly derived from the card number itself, adding a layer of protection against card cloning or data theft.

• CVC (Card Verification Code): Mastercard and some other networks use this term, which, functionally, is identical to the CVV. It serves the same purpose: to verify that the person making the purchase legitimately possesses the physical card.

• CSC (Card Security Code) or 3CSC (Three-Digit Card Security Code): American Express and many debit cards utilize this nomenclature. Again, the underlying function is the same – providing an additional layer of security against fraudulent transactions.

While the names might differ subtly, the underlying principle remains consistent. These three-digit codes are designed to be difficult to replicate without possessing the physical card. They are not encoded onto the magnetic stripe or the chip, preventing their use in situations where only the card number and other publicly available information is accessed. This extra layer of verification helps protect both the cardholder and the merchant from fraudulent activity.

In summary, whether you see CVV, CVC, or CSC, you’re looking at the same fundamental security feature: a three-digit code crucial for validating transactions and safeguarding your financial information. Remember to protect this code just as diligently as you protect your card number and PIN.