CVV2/CVC2 Workaround
CVV2 WorkAround
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Author's Note:
 
"Is there any such thing as a CVV2 Workaround?" Original author's rights reserved. Compressed and reformatted to a one-page mail!
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What is CVV2?

CVV2 is a new authentication scheme established by credit card companies to further efforts towards reducing fraud for internet transactions. It consists of requiring a card holder to enter the CVV2 number in at transaction time to verify that the card is on hand.

The Credit Card Validation Code is a 3 or 4 digit security code printed on the card. We use this code, as well as Address and Zip Code verification, to make decisions on whether to accept charges. This increases our commitment to protect consumers from fraud and reduces our exposure to fraud.

This number is printed on your MasterCard & Visa cards in the signature area of the back of the card. (it is the last 3 digits AFTER the credit card number in the signature area of the card).

American Express cards show the cvv2 printed above and to the right of the imprinted card number on the front of the card.

Short for Card Verification Value 2 (what Visa calls it, while Mastercard calls it a Card Validation Code, or CVC2). CVV2 is the three extra digits you'll now find on the back of your credit or debit card, and that's now being asked for by many Internet merchants. In case you're wondering about the 2, CVV1 is a different number, but identical in purpose, that's encoded in the magnetic stripe and read by the terminal as a card is swiped through.

 

Prefix, Length, and Check Digit Criteria

CARD TYPE Prefix Length Check digit algorithm
MASTERCARD 51-55 16 mod 10
VISA 4 13, 16 mod 10
AMEX 34
37
15 mod 10
Diners Club/
Carte Blanche
300-305
36
38
14 mod 10
Discover 6011 16 mod 10
enRoute 2014
2149
15 any
JCB 3 16 mod 10
JCB 2131
1800
15 mod 10

 

Workaround

With the data presented above we can deduce the following:

  • Visa and Mastercard both have 3-digit CVV2
  • AMEX has a 4-digit CVV2
Assuming that the webcart can allow the use of all major credit card types stated in the table above, then we can gladly conclude that we should NOT use the 3 credit card types w/c has CVV2. Instead we should use those other card types which can allow succesful transaction without the hassle of CVV2.

Of course, this is an ideal situation. The question still remains what if the only allowable card types for transaction are Visa, MC or AMEX?

Might I suggest a CVV2 generator? you can try and find cvv2.zip at either google.com or at filemirrors.com. or just click the link below.

cvv2 generator

There are rumors about a DEFAULT CVV2 for the three card types. It wont be easy finding such novelty info. For most of the time the Default CVV2 would work, but for 3rd party billing systems, this rarely works...

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z3r0kul
R&D Department
ERROR 404 Development Team
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