A card security code is the short, usually three- or four-digit value printed on a payment card. Online checkouts may ask for it to help verify that you have the card. It is commonly on the back for Visa, Mastercard and Discover, and on the front for American Express.
What a card security code is
A card security code (CSC) is a printed verification value associated with a payment card. It is separate from the card number and expiration date. The PCI Security Standards Council defines it as a three- or four-digit value printed on the card; the exact name depends on the payment brand. PCI SSC glossary
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Where to find the code
For common card layouts, Pay.gov describes a three-digit code on the back of Visa, Mastercard and Discover cards, after and to the right of the card number. On American Express cards, it describes a four-digit code on the front, after and to the right of the card number. Pay.gov’s card security code guide
These are common locations, not a guarantee for every issuer’s card design. PCI SSC’s general definition allows the printed code to appear on the front or back. If you cannot find it, check the card itself or contact the issuer rather than guessing.
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What the different names mean
“Card security code” is a general term. Payment brands and technical materials use labels such as CVV, CVV2, CVC, CVC2, CID, CAV2 and CVN2. The labels are related, but their exact use depends on the brand and context.
| Card brand | Common label | Common length and location |
|---|---|---|
| Visa | CVV or CVV2 | Three digits on the back |
| Mastercard | CVC or CVC2 | Three digits on the back |
| Discover | CVV or CVV2; CID also appears in PCI glossary terminology | Three digits on the back |
| American Express | CID or CSC terminology | Four digits on the front |
The locations and lengths in this table reflect Pay.gov’s common consumer guidance, alongside PCI SSC’s glossary terminology; they may not describe every issuer’s card design. PCI SSC glossary · Pay.gov
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In technical materials, CVV2 and similar labels can refer to the printed value, while magnetic-stripe verification data is a distinct type of data. PCI SSC’s glossary treats these separately. PCI DSS and PA-DSS Glossary v3.2
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Why a checkout asks for it
Merchants commonly request the code for card-not-present transactions, such as online, mail or telephone orders, to help verify that the customer has the card. It is an additional verification detail, not proof of a person’s identity and not a guarantee that a payment is safe or authorized. PCI SSC FAQ, June 2025
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How merchants must handle the code
PCI SSC classifies card verification codes as Sensitive Authentication Data. Its June 2025 FAQ states: “These codes/values are considered Sensitive Authentication Data (SAD). PCI DSS Requirement 3.3.1.2 strictly prohibits storing them after authorization — even if encrypted.” PCI SSC FAQ
A merchant may collect the code when needed to authorize a transaction, but must not retain it after that transaction is authorized. The code is not needed for card-on-file or recurring transactions, and customer permission does not create an exception to the retention prohibition. PCI SSC FAQ on card-on-file and recurring transactions · PCI SSC FAQ on cardholder permission
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