CVV check

The card verification value (CVV) appears on credit and debit cards. It is a three-digit number on Visa, Mastercard and Discover branded cards, and a four-digit number on American Express cards. Running a CVV check adds an additional layer of fraud protection to your payments.

The CVV is not required when sending a payment with source ID or a default card, but you still have the option of adding the CVV if you wish. However, when you include the CVV in a request, it is subject to verification—if it does not match, the request will fail.

If you want to change your default CVV configuration, please contact your Customer Success manager.

CVV check configurations

There are two possible configurations for using the CVV check in your payments: CVV required and CVV optional.

CVV required 

If the CVV is required, you must include it for all payment request types, except for those using a source ID. If the payment contains incorrect or missing CVV information, the request will fail.

If you require the CVV when creating a new customer or adding a card, you must include the CVV. If you don't, you will receive an invalid CVV response.

CVV optional 

Where the CVV is optional, you can send any type of payment request with or without the CVV. However, if you include the CVV in a payment request, it will be subject to verification. If it's incorrect, the payment will not be successful.

If the CVV is optional when you're creating a new customer or adding a new card, you don't have to include the CVV. But, if you do, it will be subject to verification checks.

Can we help?

Thanks for using Checkout.com. If you need help or have a question, message our Support team at support@checkout.com.