CVC2

Card Validation Code 2

A security code used on MasterCard credit and debit cards to enhance security during card-not-present transactions, such as online, mail order, or over-the-phone purchases. It is similar to CVV2 (Card Verification Value 2) used by Visa and CID (Card Identification Number) used by American Express.

CVC2 Key Details

• Location on the Card: The CVC2 is a three-digit number located on the back of the MasterCard, near or on the signature strip.
• Purpose: CVC2 is designed to help ensure that the person making a card-not-present transaction has the physical card in hand, adding an extra layer of protection against fraud. By requiring the entry of the CVC2 code, merchants reduce the risk of someone using stolen card information without having the physical card.
• Security and Compliance: The Payment Card Industry Data Security Standard (PCI DSS) mandates that CVC2 codes cannot be stored after a transaction is completed. This helps prevent the code from being captured in the event of a data breach and protects cardholders from fraud.
• Other Names: Different card networks use similar terms for their security codes:
  • CVV2 (Card Verification Value 2) for Visa.
  • CID (Card Identification Number) for American Express and Discover.

The CVC2 is an important security feature that adds protection for MasterCard transactions by verifying that the person making the payment has the physical card. This helps to reduce fraud in card-not-present scenarios.