You might have noticed that online websites or apps ask for the CVV when purchasing a credit card. Most merchants require your card verification value to complete the transaction. However, many eCommerce stores let you buy the required products without a CVV.
Leading retail stores like Walmart and Target forgo asking for a CVV. They provide the option to skip the CVV confirmation for bulk online purchases. Moreover, credit cardholders can bypass the CVV and pay using only their card number.
Now, the question is – How can you bypass the card verification value? Use a Virtual Credit Card Generator to pay for the product online without a CVV. Creating a unique virtual credit card will also be a great idea if you don’t want to share the CVV.
Providing your CVV information can be risky, especially for online transactions. Online predators can access your card’s CVV code through phishing scams. Once they have the CVV, they can use your credit card on shopping sites that don’t require this detail. So, securing the CVV is essential to avoid these credit card scams.
Let’s learn more about a credit card’s CVV and how it differs from a security PIN:
Credit Card’s CVV – What is it & How Does it Work?
Every credit card has a unique card verification value, and it usually contains 3 digits. Hackers can fraudulently find your credit card number but not the CVV. Its main purpose is to prevent unauthorised users from accessing your credit card.
Entering the correct CVV is crucial during online transactions. Merchants won’t receive the payment if you provide an incorrect card verification value. They might also cancel the transaction. Why do online stores do this? Cybercriminals are more likely to attempt credit card scams in card-not-present transactions. So, merchants decline payments for fraud prevention.
Merchants used to store the customers’ credit card CVV on their eCommerce sites. However, PCI has prohibited them from saving this sensitive detail to protect the buyers’ safety. Over 74% of people have become online shopping scam victims. So, you should never save credit card data when purchasing products from online sites.
CVV number is located on the credit card’s backside on a magnetic strip. It verifies the user’s card is active, and the owner is using it during the transactions. The card verification value is also known as Card Verification Code (CVC) and Card Identification Number (CID).
How Can You Bypass Your Credit Card’s CVV when Completing the Online Payment?
CVV is required when shopping for items online or for completing transactions. However, some merchants let you buy the products without the CVV. For instance, credit cardholders can make payments online on Amazon without a CVV. You only need to provide the credit card number to complete the electronic fund transfer.
Look for a shopping site that doesn’t require your credit card’s CVV for processing the online payment. Besides, you must ask your credit card issuers if you can use it without the CVV.
Credit card owners can also use the following methods to bypass the CVV code to complete the transaction:
1. With a Virtual Credit Card Generator’s Help
We must mention that bypassing a credit card CVV code is illegal. Skipping the CVV information is also impossible with a virtual credit card generator if a merchant requires it. However, you can use these online card generators on shopping sites that require a card number, not the CVV.
Many credit card generators are available online. Choose the one that is easy to use and virus-free. These credit card generators let you make the payment online without the CVV. However, these virtual credit cards can only be used for small online transactions.
2. Create a Virtual Credit Card
Several websites let you create a unique credit card to eliminate the need to provide a CVV code. These cards can also be renewed for online purchases. Thus, open a web browser and write “virtual credit card website” in the search bar. Hit the Enter button or click the search icon for the best virtual credit card sites.
Consider using Payhawk to create virtual Visa credit card cards. With this credit card, you can track payments and manage the spending limit. Privacy.com is another site with a virtual credit card generation option. It is also free and takes only 24 hours to process your virtual credit card issue request.
What is the Key Reason for Bypassing the CVV Code?
Most people bypass the credit card CVV code to gain free access to popular streaming platforms like Netflix. It also lets the cardholders use Spotify Premium without additional charges. Netflix has recently added an OTP verification system to prevent these fraudulent activities.
Why Do Some Sites Require a CVV Code to Complete the Purchase?
Legitimate shopping sites require your credit card CVV when purchasing their exclusive items. It indicates that the site owners have taken proper security measures for fraud prevention. However, merchants don’t ask for a CVV when buying products or availing services in person.
When purchasing items from a physical store, you must provide government-issued identity cards to prove your identity. Merchants or service providers don’t ask for the CVV for offline purchases, as it is illegal.
In most cases, merchants don’t ask for the CVV number for the online transaction, They confirm the order and deliver it timely without the CVV code. Moreover, the payments made through this process are also legitimate and secure.
However, you might sometimes receive a call from the merchant to verify the credit card number. Ensure it is not a scam call before sharing the card details. These fake calls are designed to steal your credit card information. So, be extremely careful when answering these calls.
What are the Different Credit Card CVV Codes?
A CVV code differs from one credit card to another. Different credit card companies use different CVV codes to minimise security vulnerabilities. VISA credit cards have 3-digit CVV codes, and use CVV2 instead of CVV. On the other hand, American Express credit cards contain 4-digit CVV numbers.
Discover credit cards also have 3-digit CVV codes. They use Card Identification Number (CID), which is similar to CVV. MasterCard, the world’s second-largest payment-processing company, also has 3-digit CVV and they use CVC2.
How Can You Secure Your Credit Card CVV Code from Hackers?
Never share your CVV code with anyone, even with the closed ones. Online buyers must check the eCommerce sites’ URLs before purchasing products. A secure URL begins with “https” and a padlock icon in the address bar. The absence of these features indicates it is a hacker-driven site and is unprotected.
Legitimate sites use SSL technology to protect customers’ data from scammers. If the site lacks an SSL certificate, it is susceptible to hacking. Thus, you must avoid accessing the sites without a padlock, secure URL and SSL.
Decline the unsolicited requests from credit card companies. Avoid sharing your credit card photos when texting your friend or family. An accidentally leaked photo can lead to fraudulent transactions on your credit card account.
Check your credit card statements and purchase history from the website or mobile app. If you notice suspicious or unauthorised transactions, report them immediately to the credit card company. The issuer will take necessary action to prevent further transactions from your account.