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CVV / CVC / CVV2 是什么?What Is CVV / CVC / CVV2?

都是"卡片安全码":用卡号 + 有效期 + 密钥算出来的校验值,证明"卡是真的、就在手边"。Visa 叫 CVV、Mastercard 叫 CVC。要分清两种:一种藏在磁道里,一种印在卡背你手输的那三位。 All are "card security codes": a value computed from the PAN + expiry + a secret key to prove the card is genuine and present. Visa calls it CVV, Mastercard calls it CVC. There are two kinds: one hidden in the magstripe, one printed on the back that you type.

	CVV / CVC (CVV1)	CVV2 / CVC2
在哪Where	磁道数据里(Track)Inside the magstripe track	印在卡背 3 位(Amex 正面 4 位)Printed on the back, 3 digits (Amex 4, front)
用于Used for	刷卡(卡在场)Card-present swipes	网购/电话(卡不在场)Online/phone (card-not-present)
能否存储Storable?	仅交易瞬间Transient	❌ 严禁存储(PCI)❌ Never store (PCI)

一句话记住:CVV2 是"卡不在场"时证明你真拿着卡的三位码,校验失败对应响应码 N7;而且按 PCI 规定绝不能保存 CVV2。Remember: CVV2 is the printed code proving you physically hold the card for card-not-present payments; a mismatch maps to response code N7, and PCI rules say CVV2 must never be stored.

👉 相关:DE39 响应码大全(N7 校验失败)、交易生命周期。👉 Related: DE39 response codes (N7), transaction lifecycle.