SIGIA-L Mail Archives: Re: SIGIA-L: Three-digit numbers for cre
Re: SIGIA-L: Three-digit numbers for credit cards
Date: Wed Jan 31 2001 - 17:46:48 EST
The PayPal site requests this number when you add a credit card to your
PayPal account. <http://www.paypal.com> On the "Add Credit Card" page,
there is the usual field "Credit card number" and also a field called
"Card Verification Number." This title links to a pop-up window where
they explain as follows:
"PayPal requires, for your safety and security, that you enter your card's
verification number, if one is available. If one is not available, please
try using a different card."
They include a graphic showing where the number is found on the back of
I did this when registering for an account and have not had any problems.
I can understand why they might require this number as they are moving
money from one person's account to another. They're essentially acting as
a sort of bank. However, I would not expect to see this request from a
site that was simply selling products. A store (physical or cyber) only
needs the credit card number and expiration date. If the additional
3-digit number were requested from a retail site or from a conference
registration site, I would likely decline. As a merchant, they should
already have a verification system in place: receive my number, verify
that it's valid -- if not, then don't fulfill the order.
Classified Ventures, Inc.
On Tue, 30 Jan 2001, Craig Chalmers wrote:
> A client of ours is thinking about including a new field for the online
> transaction process. Most major credit cards now include a three-digit
> number on the backside of the card (Visa cals it 'CVV2'). The purpose of
> this additional number (see article for explanation
> is to prevent credit card fraud. While the inclusion of this new field will
> hopefully curtail fraudulent sales, prompting users to fill out an
> unfamiliar (not all cards have the code yet) data field may scare away
> potential customers.
> Does anyone out there have any experience with online stores that use this
> field? I am wondering how this will effect the shopping cart flow in terms
> of user experience (abandoned carts?). This seems to be an initiative that
> all the credit cards are undertaking for online sales, so it's an issue that
> we all soon be confronting.
> Craig Chalmers
> Information Architect
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