Diff: FAQ #1319
Are merchants allowed to request card-verification codes/values from cardholders?
Earlier Version
2015-01-28 00:00:00 UTC
2015-01-28 00:00:00 UTC
Later Version
2025-06-11 14:59:01 UTC
2025-06-11 14:59:01 UTC
Removed
Added
Yes. These values are typically used for card-not-presentCard verification codes/values (CNP) transactionse.g., where the card is not physically present at the merchant location (for example, during e-commerce or mail order/telephone order transactions). In many cases, it is necessary for the merchant to request this information in order to conduct a CNP transaction.
The card verification code or value (also referred to as CVV2, CVC2, CID, or CAV2) is the threeare commonly requested during card- or fournot-present (CNP) transactions such as e-commerce or mail order/telephone order (MOTO) to help verify that the customer is in possession of the card. Card verification codes/values are normaly three- or four- digit code printed on the front or back of a payment card which provides additional assurance that the card is in the possession of the authorized cardholder. Card verification.
These codes/values are considered to be sensitive authentication d Sensitive Authentication Data (SAD) and merchants and other entities involved in payment card processing are required to strictly protect this data and securely delete it after authorization in accordance with. PCI DSS Requirement 3.3.1.2. strictly prohibits storing them after authorization — even if encrypted.
Merchants must ensure:
These codes are collected only when necessary for authorization
They are never stored post-authorization
Systems and processes are configured to prevent retention
The card verification code or value (also referred to as
These codes/values are considered
Merchants must ensure:
These codes are collected only when necessary for authorization
They are never stored post-authorization
Systems and processes are configured to prevent retention