To pay with a plastic card on the Internet, sometimes it is required to use CVV2 / CVC2 / CID, that is, the bank card code. What is a bank card code, in which case it is applied, where is it located on the card, what does it mean?
So, depending on the technologies used by Internet shops or other service providers on the Internet, when making a payment, the client is asked to enter the basic details of the card (card number, validity period, embossed name), as well as additionally confirm his authority with one of the following ways:
- using the bank card code - CVV2, CVC2 or CID;
- using technologies: 3-D Secure; Verified by Visa (VbV), MasterCard Secure Code (MSC)
- using MirAccept technology, which allows full 3D Secure authentication (MIR cards).
Each payment system that issues bank cards has its own name for the card code, except for Maestro cards, which do not have a code. Leading payment systems operating in the Russian market have the following bank card codes:
- VISA payment system has a code CVV2(full name - Card Verification Value 2);
- payment system MasterCard - code CVC2(full name - Card Verification Code 2);
- for American Express - code CID(full name - Card Identification);
- the MIR payment system has a code using the MirAccept technology.
Internet payments with Mir cards are protected by MirAccept's own technology, which allows full 3D Secure authentication. In addition, the Mir payment system will soon implement security technology for mobile and Internet payments - 3D Secure protocol version 2.0 (which will replace 3D Secure 1.0). The copyright holder of the new 3D Secure protocol version 2.0 is EMVCo (International Association for standards in the field of electronic payment technologies), whose partner since 2015 is the NSPK (National Payment Card System of Russia)
There are no Maestro / Maestro cards in the above list - this means that online payments are not supported by this payment system.
What is the code CVV2, CVC2, CID, MirAccept
The CVV2, CVC2, CID code is an additional digital security code, which is also called a security code, printed on the card, or sent in the card details (for example, for virtual cards it is transmitted via SMS code). The code printed on the card cannot be replaced or restored without card re-issue.
CVV2, CVC2 or CID is a special bank card code that is used to verify the authenticity of the card issued by the bank. If there is no such code on your card, then it is impossible to carry out transactions to pay for goods and services on the Internet.
The code CVV2 / CVC2 printed on the back of the card, on the signature strip, immediately after the card number, or after the last 4 digits of the card number. It always consists of three digits, and is not a continuation of the bank card number, i.e. it is an independent element of protection.
The code CID- means the card identification code. The code on the American Express card is printed on the front and consists of a four-digit number on the right side of the card.
The code MirAccept is a technology that ensures the security of payments on the Internet of the "MIR" system. It consists of three digits, and is an independent element of payment protection.
The digital security code that is stamped out (affixed) on the bank card, in contrast to the PIN code, can only be changed when the card is reissued.
The table shows the security codes of individual payment systems operating on the Russian financial services market:
In some online stores, the payment form filled out by the buyer often has a double value for filling - CSC / CVV2. CSC(Card Security Code) is also the name of the card security code, which is considered as a generalized name for all codes used. In other words, each payment system that issues bank cards has its own name for the CSC code (Card Security Code), therefore, when asked to enter the CSC, the same code is entered, which is indicated on your card. And yet, if you have a CSC / CVV2 record, you do not need to enter your personal PIN-code. CSC and PIN are different codes. PIN-code is a secret card code that cannot be filled in open access forms outside of banking systems.
How is the presence of the CVV2 / CVC2 / CID, etc. code determined on a bank card
The presence of the CVV2 / CVC2 / CID (security code) code is determined as follows:
- on the classic map- a three-digit digital code (CVV2 / CVC2, etc.) is located on the back of the card, a four-digit (CID) - on the front. If there is no code on the card, it means that it is impossible to perform an operation on the Internet using this card.
- by virtual card, which does not have a material carrier - a 3-digit code is transmitted to the Client on his mobile phone in the form of an SMS message or communicated by a special phone. The client needs to remember it and keep it in a place inaccessible to third parties.
- CVV2 / CVC2 codes on Visa and MasterCard systems are a 3-digit code set that is placed on the back of the card on the signature strip or next to it. Sometimes this code is also found on the front of the card. So, for example, on MC Virtual cards of Alfa-Bank this code is placed on the front side of the card.
- The CID code on American Express cards is a 4-digit code set that is located on the front of the card next to the card number and is indicated in small print. It is usually located above the last or first two digits of the card number (with the remaining digits shifted to the left or right).
- The code on the cards of the "MIR" payment system is a 3-digit code set, which is placed on the back of the card below the magnetic stripe.
The location of the CVV2 / CVC2 code on a bank card of Visa and MasterCard systems was very clearly depicted by Bank24.ru for its clients. (shown below). This explanation is acceptable for all bank cards of any bank.
Location of the secret code on bank cards of individual payment systems:
Bank card code is used:
- For making payments on the Internet as a security element during CNP transactions when neither the card nor the holder is present during the transaction. The code is used as an addition to the card number and card expiration date.
- When making purchases not only on the Internet, but also in other cases when the magnetic stripe of the card is not read (for example, when paying for purchases by phone, when making an operation using an imprinter).
In addition, when working with online stores, you must remember that the field for entering this code on the site can be called differently:
- CVV2 / CVC2 / CID codes
- "Security code"
- credit card identification code
- "Security number"
- etc.
The procedure for making payments for purchases / services on the Internet using the CVV2 / CVC2 code
Conducting a CNP transaction using a CVV2 / CVC2 code is carried out in the following order:
- Go to the website of an Internet store or another service provider on the Internet, choose a purchase or service;
- Make a payment by entering the card details requested by the online store;
- If the store asks for the security code CVV2 or CVC2 - enter this code indicated on your card or delivered to you by SMS. If the classic card does not have a CVV2 or CVC2 code, the transaction is impossible;
- You are waiting for the result of the operation.
- Possible result of the operation:
- If the code is entered correctly, the operation will be approved or rejected depending on the result of checking the rest of the conditions that are checked when performing a card transaction (sufficient funds on the account, card status and validity period, available transaction limits, etc.).
- If the code is entered incorrectly, it is not requested on the page of the Internet store or the Internet store does not send the code to the Bank CVV2 / CVC2, the payment will be rejected. The correctness of the information entered includes the requirement to enter the code, the sufficiency of funds on the card account, the status of the card and the compliance of the payment being made to the restrictions set by the Internet store or other Internet service provider.
The CVV and CVC code on the Sberbank card allows you to increase the safety of its use, especially when shopping online on the Internet. Let's consider where the CVV and CVC codes are on Sberbank cards and what it is.
What is CVV and CVC code
Sberbank CVV code and CVC are designed to increase the secure use of the card. The cardholder is often not aware of its existence until he decides to make a purchase on the Internet. This is where the question arises: what is a CVC code on a Sberbank card and a CVV code, where can I see it and how to use it?
There are CVV1 / CVC1 and CVV2 / CVC2 codes. The first ones are on a black magnetic strip and are read when paying for real purchases - the actual presentation of plastic is carried out with automatic decryption of information. The latter are used in calculations in a virtual network, when the use of the card as such is not required, but only information from it is provided. We will talk about the second type of code in this article.
So, we figured out the definition itself, but what is the difference between the CVV2 code itself and CVC2 on the Sberbank card? Nothing. This is the same specially generated three-digit code, which is simply assigned to different payment systems:
- CVV2 code of Sberbank (like other financial institutions) - belongs to PS VISA, in English it is called Card Verification Value;
- CVC2 - MasterCard code, eng. Card Validation Code.
Despite the difference in the abbreviation, the translation for the designations is the same - Code for authentication.
Where is the code on the Sberbank card
So, when making an online purchase, you were asked for a verification code. Where can I see the CVV2 or CVC2 code on the Sberbank card?
Visa and Mastercard
It is usually found on the signature line under the magnetic stripe. There is more than one group of numbers (the extreme 4 numbers of a card number are often prescribed), we need the last three-digit group.
PEACE
Where is the CVV2 code on the Sberbank MIR card? Ibid, on the signature strip in front of the “Thank you from Sberbank” logo. Only the technology of the national payment system MIR has a separate name - MirAccept. But, in general, these are the necessary numbers.
Maestro and Visa Electron
The verification code is assigned to all bank cards, but not all are indicated. The simplest entry-level Sberbank products (such as Maestro, Visa Electron) do not have CVV2, which means they are unsuitable for online purchases. How to find out the CVV2 code of Sberbank if it is not spelled out on the plastic? You can find it out at the bank.
How to find the CVV code for a virtual card
Virtual cards are also assigned a 3-digit security code, which will definitely come in handy for payments. How can you find out the CVV2 code in Sberbank in this case? It is communicated to the client via SMS immediately after receiving the product. Sometimes they do not send a code, but a phone number by which you can find it out.
Application of CVC and CVV code
Having learned where the CVV2 and CVC2 codes are located on the Sberbank card, we will figure out how to use them.
To pay online, you must select the type of payment - card.
The system will offer to fill in the columns with data about your product:
- owner's initials;
- Card number;
- month / year of validity;
- security code.
Any requested information can be viewed on the card.
Safety regulations
Now, knowing what a CVC2 code on a Sberbank card and a CVV2 code is, you understand how important it is to keep it from fraudsters. It is very easy to find out the code - just look at the back of the card.
Be careful: do not indicate information from the card on suspicious sites and do not disclose to unauthorized persons. The bank will never ask for this data, so do not voice it in case of calls allegedly from the bank.
The virtual card of Sberbank CVV2 does not have a code, but it is assigned to the card. It must be memorized / written down and not shown to anyone. On classic cards, the code is clearly visible on the front side - some people even stick it over to increase security. However, this is a relatively effective method.
Adhere to basic security rules when using your bank card details
Better to adhere to the following basic rules:
- buy only on well-known, large servers. Pay attention to the sign of a secure connection on the website of the online store, it means that at the time of payment your data is transmitted in encrypted form and even if it is intercepted by an attacker, nothing can be done with it;
- do not enter data in suspicious forms (such as, upon request, send information from the card by mail or in an SMS message) - use only the form filled in when placing an order for the introduction;
- control your account balance by connecting the Mobile Bank;
- do not tell anyone the CVC2 code of Sberbank and CVV2 code;
- do not allow unauthorized persons to use the card.
With frequent payment transactions on the network, it is better to open a separate electronic virtual card, linking it to the main one.
To pay for the goods, simply transfer the required amount to the account, which will be reset to zero after the payment has been charged, and an empty card will become a meaningless target for fraudsters. Active online shoppers are advised to connect and use technology protection.
Conclusion
Now you know what a CVC code on a Sberbank card is and a CVV code is a 3-digit number that confirms the authenticity of the card. You can see it directly on the plastic in the signature line of the owner. The code is the key to online transactions - it is important not to share it with strangers or enter it into suspicious forms and forms.
The error "the beneficiary's account key is specified incorrectly" is quite common, therefore there are clear instructions on how to avoid such an error when creating a payment order in the system.
Features of the Business Online system
This is a service in Sberbank-online, which allows you to maintain document circulation through your personal account and perform the following functions:
- create and send payment documents;
- monitor the status of accounts;
- place orders for banking services;
- send requests for advice and assistance.
Access to the system can be obtained by leaving an application in the department for work with legal entities, the Sberbank branch in which your organization is serviced. After processing the request, the employee will issue a USB key for access to Sberbank Business Online, send it by SMS and provide other details on how to work in the system.
How to create an order so that there is no error "the beneficiary's account key is specified incorrectly"
There is a detailed instruction on how to create a payment order. By following it, mistakes can be avoided.
- Find the icon for creating a new account in the top bar.
- Fill in all the fields of the "Outgoing Order" window. You need to enter information in white lines, gray ones are filled in automatically or require the selection of one of the available options.
- Enter parameters:
- invoice number (issued automatically, but can be changed to another);
- date (current is set, can be changed);
- Acceptance (requires receipt or was formed earlier);
- Type of payment (e-mail is automatically set up). - Enter payer details. If it was previously added to the list, then select it from the directory. For a new payer, you need to fill in all the lines manually (bank, TIN, account number, organization designation (BIK and correspondent invoice will be issued automatically).
- Enter the recipient's details. You need to select or enter an account, the rest of the columns are filled in by the system.
- Specify the required amount, VAT will be calculated automatically (VAT parameters can be changed).
- Fill in the purpose of the payment.
After saving, if everything is in order, a corresponding message and a list of documents will be displayed, in which a new item with the "created" status will appear. If there are errors, you need to make changes. There is no need to correct some defects (for example, the indicated number already exists), errors will be eliminated automatically.
What is "the beneficiary's account key is entered incorrectly" and how to fix it
The reason for the error lies in the incorrectly entered data in the line of the beneficiary's account or BIK bank, and sometimes in both. They need to be carefully checked and corrected if an error is found. If all the data match, you need to request the details from the recipient again.
Thus, the most common error of the Business Online system is eliminated. All other possible errors most often do not require correction and are resolved by the service on its own.
Debit and credit cards contain secret information used to confirm transactions on the Internet. Let's figure out where the CVV2 and CVC2 codes are located on the Sberbank plastic.
All plastic emitted by Sberbank is highly secure. It has several levels of protection. So, when paying by the terminal, the client enters a personal identifier - a PIN-code. To confirm non-cash transactions on the Internet, security codes CVV2 and CVC2 are used.
They fulfill the same protective function. The difference in abbreviation is associated with different payment systems. All plastic of the international VISA system is equipped with the CVV2 security code, and the MasterCard system - CVС2 (except for entry-level cards - Maestro, they have CVV2 on them).
Location on card products
The predominantly secret code on Sberbank cards is on the back under the signature tape. It consists of 3 digits.
On some plastic of the Mastercard payment system, such information is located on the front side. It is located immediately after the 16 digits of the payment instrument number. Typically, the card number is embossed and the secret identifier is flat.
Important! The plastic issued before 2006 did not contain the security identifier for the first level card products - Maestro and Visa Electron. They were not designed to work on the Internet. Now they have a security identifier on the back.
Is it safe to use a verification code?
The CVV2 or CVC2 code is not stored by the seller, so such operations are absolutely safe. However, there are a number of technologies called "phishing", the purpose of which is to obtain protective information. Secret numbers are not subject to disclosure, they need to be entered only at the stage of payment confirmation.
When using plastic on the Internet, you need to remember the basic rules:
- Cooperate only with trusted Internet resources;
- Do not transfer the payment instrument to unauthorized persons in order to exclude unauthorized access to the card account;
- Connect the full package of the mobile bank to control all plastic transactions;
- Open a virtual card linked to a plastic account in order to increase the security of transactions on the Internet;
- Conduct timely blocking of plastic in case of loss or theft.
Important! For virtual cards that do not have a physical medium, the secret code can be found in your personal account in the Sberbank Online system or by sending an SMS message.
How to confirm the transaction with digital codes?
The algorithm for using secret numbers includes several stages:
- familiarization with the Internet resource, assessment of its reliability (availability of contact numbers, legal address, customer reviews, etc.);
- making a payment (entering customer data and information on plastic in the payment order);
- indication of the digital code;
- receiving a response.
Confirmation of non-cash transactions on the Internet using the CVV2 and CVC2 identifiers is a mandatory procedure. All Sberbank card products are equipped with numbers located on the back of the physical medium. You need to take care of verification codes as seriously as a PIN code. In case of unauthorized access to them, it is possible to write off money from the account of the payment instrument.
Almost all financially active Russian residents have payment cards. Today, you can only find a store that is not equipped with a terminal in some rural regions. However, we do not know everything about all the protective functions of plastic cards.
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What is cvc2 or cvv2 code
Such codes are used on payment cards of Visa and MasterCard systems. Often, the owners of bank cards do not know about their existence until the moment they decide to make a payment online. This is a secret code that is generated according to a special algorithm for additional means of card authentication.
- CVV2 code (translated from English. Card Verification Value 2) is a three-digit code that is applied to Visa cards;
- CVC2 code (translated from English. Card Validation Code 2) also consists of three digits, and is on MasterCard cards.
Codes are the key to settlements using a card via the Internet, as well as in other similar cases when it is impossible to read information from the magnetic stripe of the card, i.e. the plastic itself does not take part in the operation, its owner makes payment online.
Where is the cvc2 or cvv2 code on the map?
As a rule, the codes on the card are located on the back side on the same strip with the client's signature. They are confidential information that is prohibited from disclosing to third parties, including the bank. No bank employee will ask you for a secret code, under any circumstances.
If there is no code on the card, then it is impossible to make an Internet payment with such a card.
How to use CVV2, CVC2 codes when making payments?
You can make a transaction using these codes as follows:
- you need to go to the website of the online store where you plan to make a purchase and select a product or service;
- when making a payment, the online store will ask for your card details. You must enter the requested one depending on the payment system you are using;
- after entering all the requested card details, you must wait for the results of the operation you performed.
After completing all the necessary operations, two results are possible:
- approval of the operation. If the code is entered correctly, the rest of the conditions necessary for the card transaction are checked. If there are enough funds on the card, its validity period has not expired, and the limits available for this operation have not been exceeded, then the payment will be approved.
- payment rejection. This is possible if the code was entered incorrectly by you, if there is not enough money on the card or the established limit for card transactions is exceeded.
On various Internet services, the field in which this security code must be entered may have different names. The most common security codes are card identification codes. Information should not be stored in a database, and Internet resources should require their input when making each payment.
From year to year, the number of transactions carried out using plastic cards is increasing. Along with this, the number of fraudsters who steal money from plastic cards is also increasing. With the development of security systems and protection of plastic cards, their methods of work are becoming more sophisticated.
However, you can prevent their actions. Here are some tips to help you stop fraudsters and save money on your card.
Advice 1. Everyone knows what needs to be stored separately directly from the plastic itself. This is the very first security measure in case your card gets taken over by criminals. A little trick can help to disarm them - a “fake” pin code should be written on the map. There is a high probability that a fraudster will block the card using the wrong PIN and will not be able to withdraw money immediately. This will give an opportunity to gain time in order to inform the bank about the loss of the card.
Important. Do not shine with your card in public places: in the queue, at the checkout or near the terminal. To make a payment via the Internet, fraudsters just need to look at your card number and expiration date.
Tip 2... Track your account balance. This can be done using two main banking instruments:
- - SMS will be sent to your phone for any transaction indicating the amount, time, date, and location of the transaction;
- - makes it possible to view transactions on your account at any time of the day, regardless of the bank's operating hours
Tip 3. Set the daily allowance. It can be set both for the amount of using non-cash transactions and for withdrawing cash from an ATM. This will significantly reduce the risks of losing large amounts.
Tip 4. When making a payment by card, do not lose sight of it. The implementation of the transaction must take place in your sight so that it is not possible to scan information from the card.
Tip 5. Calculations on the Internet must be carried out on the official sites known to you. The site address must start with the network protocol https: //. An antivirus program must be installed and running on your computer. If you regularly use Internet banking, get an additional card specifically for these operations. This will significantly reduce the risk of unauthorized transactions on the main card.
Tip 6. If you have a need to provide a photocopy of a payment card to an official institution, for example, to an embassy for a visa, fill in the secret code on the photocopy with a proofreader, and only in this form send the photocopy to the embassy.
The culture of using bank cards
Considering all of the above, when using a plastic card, you should be careful, since the safety of the money that is stored on it depends not only on the degree of protection of the card, but also on ourselves.
The rules of personal safety on the street or the protection of your home from thieves have become the norm for us. When we leave home, we lock the door and try not to walk the dark streets alone. The rules for the safe use of plastic cards should become the same norm, especially since they are very simple.
On the positive side, both Visa and MasterCard payment systems have a single procedure for handling claims, which, as a rule, protects the cardholder and provides certain guarantees for the return of funds stolen by fraudsters, unless, of course, the fact of data transfer to third parties is established. Even though the existing legal system is far from perfect and these protective mechanisms do not always work in practice, it is still a significant advantage in comparison with other payment systems that do not imply a refund.
Question: what to do if the code was found out by third parties?
Answer: you must immediately contact the bank by calling the contact center, which will block the card, warning the possibility of carrying out any transactions on it. After that, you must immediately ask the bank to reissue the card.
Question: can the code be erased or pasted over?
The answer is yes. It is possible to remove the secret code from the card. This will significantly reduce the risk of it falling into the hands of scammers. Physically, this can be done by gluing it with non-transparent tape. You can also wipe it off with an alcohol-based liquid. In this case, you should be aware that this secret code is a mandatory attribute of a solvent card, but a payment card with an erased secret code will not be counterfeit or damaged.
The secret code is laser applied to the plastic card. In the place where it is applied, the plastic is fused. If necessary, the secret code can be viewed from the traces left by the laser print.