A New Three or Four Digit
An important new security feature for "card-not-present"
transactions now appears on most credit cards. This new feature is a three or
four digit value which provides a cryptographic check of the information
embossed on the card.
Where is the VCode
Mastercard, and Discover, the VCode
three digit value is printed on the signature panel on the back of the
credit card immediately following the card account number. Here is a sample of
the vcode on a Visa:
On American Express, the VCode is
a four digit code and is printed on the front of the card just
above and to the right of the embossed credit card account
The VCode value helps validate that:
- the customer has the credit card in his or her possession,
- the card account is legitimate.