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Card Code Verification (CCV) (#ACTCCV01)

Last updated:   Applies to:   In industries:   Of versions:   Special contents:
20151130 (Andy)   n/a   n/a   n/a   n/a

What is Card Code Verification?

The card security code (CSC), sometimes called Card Verification Data (CVD), Card Verification Value (CVV or CVV2), Card Verification Value Code (CVVC), Card Verification Code (CVC or CVC2), Verification Code (V-Code or V Code), or Card Code Verification (CCV) are different terms for security features for credit or debit card transactions, providing increased protection against credit card fraud. You can read more about credit card security at Wikipedia.


What does it have to do with StorMan?

To try and reduce credit card fraud, most credit card processors (eg. Visa, Mastercard, etc) require the CCV number be submitted along with the credit card number & expiry date when a "card present" transaction takes place. While the CCV has been an optional field for some time, most card processors are beginning to treat it as a compulsory field. Without this field, some card processors will now simply reject the transaction. Due to these new requirements, any payments taken via credit card (where the credit card is present) will need to be updated to reflect this additional field.

In Australia, for example, credit card transactions processed on a website without the CCV after 1st July 2012 will be rejected & declined.


Will I need to do anything?

As mentioned above, a CCV is only required for transactions where the credit card is present... so, basically, transactions through a website where the Customer purchases goods, services, pays an invoice, etc. You do NOT need to store the CCV in StorMan if processing AutoPay's for your Customers (this would be a breach of PCI compliance). As such, there is no CCV field in StorMan & there does not need to be one.

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