Most popular questions:
Security numbers on credit cards?
Security number on credit cards
The purpose of the credit card security number is to prevent thieves from using your credit card number with internet and telephone merchants who cannot physically compare the signatures on your card with the purchaser signature. The security number is a relatively new internet fraud protection mechanism, and many people are unfamiliar with it.
The security number is a random number added to the card by your credit card issuer. When we communicate with your credit card issuer to get authorization to charge your credit card, we also send the security number that was provided. Your credit card issuer looks to see if your account has enough available credit, and they also look to see that the security number provided matches what they printed onto your credit card.
If the security number does not match, it is a reasonable assumption that the person using your credit card is not you and although there might be enough available credit to handle the purchase, it would be unwise for us to process the purchase. If it was you making the purchase, you would know the proper security number. A thief would not.
If you have multiple credit cards, it is best if you designate one credit card just for internet purchases, so that no one but you ever sees the security number. Stores such as Kagi that verify the security number prevent thieves from pretending to be you.
American Express one-time-use card: When you get a one-time-use card number for use on the internet, use the real security number on your American Express card; that is what they are expecting.
Here is a key to help determine the correct security ID#:
- American Express - Security ID is printed on front of card above the credit card number. The code on your card should also be used with Private Payment Numbers.
- Eurocard - Security ID if available is printed on back of card after the last digits of the credit card number.
- Mastercard - Security ID if available is printed on back of card after the last digits of the credit card number.
- Optima - Security ID printed on front of card above the credit card number.
- Visa - Security ID is printed on back of card after the last digits of the credit card number.
**The security ID# will be only 3 or 4 digits long, no longer than that.**
Visa et MasterCard American Express
SmartFAQ - Adaptation and Translation by Visibil IT
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