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Card Brands Now Require CVV Security Code

To help combat the occurrence of fraud, Visa now requires the CVV to obtain transaction authorization for all manually keyed-in transactions.

What is the CVV?

The CVV is the three-digit code located on the back of credit cards. The CVV is an added security feature on credit cards, it is used to verify that the cardholder making the purchase actually has the card in their possession. Entering the wrong code will almost always result in the transaction being declined. 

What does this mean for me?

We have always recommended entering the CVV as a best practice for protecting your business from fraud, but now it will be a requirement, instead of optional. Visa has made the change to require the CVV effective October 9, 2018. To comply with Visa’s updated rules, Helcim requires the CVV for all manually keyed transactions for all card types including Visa, MasterCard, American Express, and Discover. You will now need to enter the credit card number with the CVV for all manually keyed transactions, if you do not have the CVV, then the transaction will not be authorized. If you are processing an ecommerce transaction, which already required the CVV code to be entered, you will continue to need to enter the CVV. If you are not a Helcim Merchant, you can contact your credit card processor for specific details on how this change might affect your business.

Why is the CVV code important?

The CVV code is a useful tool in combating fraud in online transactions because storing a CVV code is against the Payment Card Industry Data Security Standards (PCI DSS). If a card database is breached or compromised, this information is not present and not transmitted to hackers. Only a person who has access to the physical card will know the code. For more information on the CVV codes, check out our article What is CVV?

What about saved credit cards?

This requirement has no impact for stored credit cards, as storing the CVV is still prohibited. If you’re using the Card Vault, Card Tokenization and Recurring Payments, your transactions will continue to be processed without issue. The only time you will need to enter the CVV for a stored credit card is when you’re initially adding a new card to the vault.

Does this impact in-person transactions?

No, this change will not affect swiped or EMV (chip) transactions where the customer pays for a purchase in person with their credit card.

Need to Accept Credit and Debit Cards?

If your business needs to accept credit cards in person or online, Helcim provides honest, transparent, and affordable credit card processing that stands out in an industry known for shady business practices and customer exploitation. Our Interchange Plus pricing is widely regarded as the most honest and affordable billing method in the industry and our customer service is consistently lauded as a step above. If you have any questions or would like a complimentary rate comparison, don't hesitate to contact our friendly team of Helcim Gurus.

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