What is CVV? CVV (Card Verification Value) is a 3- or 4-digit security code on credit cards. It helps protect transactions from unauthorized use, especially in online payments. Where to Find CVV? Visa, RuPay, MasterCard, and Discover: 3-digit CVV on the back of the card. Some international cards: 4-digit CVV on the front. How CVV Protects You Merchants store card numbers but not CVV, reducing fraud risk if databases are hacked. Required for online transactions along with OTP for extra security. How is CVV Generated? Created using card details like PAN (Primary Account Number), expiry date, and encryption keys. Algorithms used for CVV generation remain confidential for security reasons. Difference Between CVV and PIN FactorCVVPINFull FormCard Verification ValuePersonal Identification NumberLength3-4 digitsUsually 4 digitsPurposeOnline transactionsOffline transactions & cash withdrawalsValidityPermanent (linked to card)Can be changed by the user Tips to Keep CVV Secure 🦋 Install antivirus software to prevent hacking attempts. 🦋 Secure home Wi-Fi with a strong password. 🦋 Use trusted websites with HTTPS and a padlock symbol. 🦋 Avoid public Wi-Fi or use a VPN for added security. 🦋 Do not share credit card images on social media or with others. 🦋 Be cautious of phishing attempts; never share details via email or phone. 🦋 Monitor transactions regularly to detect unauthorized activity. Final Takeaway Keep credit card details safe to avoid fraud and scams. Overspending with credit cards can lead to a debt trap—use them wisely. Regularly checking transactions helps maintain a good credit score, improving future borrowing opportunities. Let me know if you need further clarification!