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"Card Security"

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Close-up of the card security code printed on the back of a payment card

Credit Card

What is the Card Security Code?

The Card Security Code is a 3-digit numeric value used for cardholder verification and to reduce fraud risk. It is generated during card production and printed either on the card or encoded into the Track 1 and Track 2 data.

Secure Card Reader for PIN with mobile device

Security

What Is a Secure Card Reader for PIN (SCRP)?

A Secure Card Reader for PIN (SCRP) is a multi-function card reader that turns any iOS, Android or Windows device into a payment terminal able to accept chip and contactless payments with PIN.

Illustration of dynamic CVM limit management for contactless card payments

Payment Systems

Dynamic CVM Limit Management Approach: A New Era in Card Security

One of the most notable recent developments in card payments is that contactless limits are no longer fixed and can be managed dynamically per customer. Mastercard and Visa are taking different but complementary approaches, and ISO 8583 may need to evolve with them.

Animated illustration of a credit card representing dynamic security code technology

Credit Card

What is a Dynamic Card Security Code (CSC)?

It is a CVV2/CVC2 code that changes every few minutes instead of the static code printed on the back of a credit card, aimed at reducing fraud risk in CNP (Card Not Present) transactions.

Hand entering a PIN code on a card payment terminal

Credit Card

What should be considered when setting a card PIN?

A credit card is one of the most important payment tools in our lives, which is why keeping it secure is extremely important. So how do we secure a credit card? The most important security measure is the card PIN.

Illustration showing how an Application Identifier (AID) is used in a chip card transaction

EMV

What is an Application Identifier (AID)?

The AID tells the terminal which applications are present on a chip during a POS or ATM transaction. What does the AID do? It lets the terminal determine whether it supports an application on the chip. In Tag 9F06, it is 5-16 digits long.

Illustration of a payment card used for online shopping

Debit Card

Can You Shop Online with an ATM Card?

When we think of online shopping, we usually picture paying with a credit card. But can customers without a credit card, only an ATM card, shop online? Of course they can — you don't need a credit card to enjoy the convenience of e-commerce.

Secure card storage and tokenization illustration

Merchant & POS

What Is Card Storage?

Card storage is a system, secured with PCI DSS certification, for storing credit and debit card details safely. It saves consumers from entering their card details again and again on frequent purchases.

Photo of a prepaid card used for everyday purchases

Credit Card

What should you know before buying a prepaid card?

A prepaid card is a customized chip or chipless card that is not linked to a bank account and has no credit limit like a credit card. You can only spend up to the amount loaded onto the card.

American Express (Amex) card and logo

Credit Card

What Is an Amex (American Express) Card?

Amex is short for American Express, a payment scheme like Mastercard, Visa, or TROY. Learn its history, what sets Amex cards apart, and whether every website accepts them.