Dynamic CVV

Add an extra layer of security to your customers' transactions.

Introduction

The Dynamic CVV (Card Verification Value) is a 3-digit validation code that changes periodically to enhance the security of online transactions. This technology is available for configuration on our virtual Mastercard cards.

By generating a new code for each transaction, you add an extra layer of security that significantly reduces the risk of fraud in online stores, providing peace of mind for both your virtual card customers and the merchants processing the payments. It is highly effective for scam prevention, since even if a code is intercepted, it would only be valid for a short period of time.

Scope

Currently, this configuration is available for all our virtual Mastercard cards in Argentina, Brazil, Mexico, Colombia, and Peru.

Operation

Every time your users make an online purchase with their virtual card, they will have to request a dynamic CVV, which will be valid for only 2 minutes.

Here we share an example, step by step, of the process:

1. Your customer requests to view the confidential details of their virtual card (PAN, expiration date, dynamic CVV, remaining time of the security code) to make an online purchase.
2. Through your backend, you will have to request these details from us using our secure data website.
3. We will generate the dynamic CVV and send it to you along with the confidential details for you to share with your customer.
4. Your customer views the details and enters the dynamic CVV on the e-commerce platform.
5. Completes the transaction.
6. The transaction is approved.

Implementation

To implement the dynamic CVV, you need to configure, together with our team, the affinity groups of the cards in which you want to make it available.

To do this, please contact our Integration team ([email protected]) or CX team ([email protected]).

Frequently asked questions

How long does the dynamic CVV last?

Each code has a validity of 2 minutes.

Does it work for virtual and physical cards?

No. The dynamic CVV functionality only applies to virtual cards.

Do already issued cards have this functionality?

The solution does not support backward compatibility or updating the affinity group. In other words, for your customers who do not have dynamic CVV and want to have it, you will need to issue them a new card using this API.

What happens with recurring transactions?

Recurring transactions, such as subscriptions to services (e.g., Netflix or Spotify), will not be affected by this new functionality. Once the service is subscribed to, you will not need to validate the code with each payment.

Is the dynamic CVV generated automatically?

Yes. The security code is automatically and randomly generated every two minutes.

Is the duration of the dynamic CVV configurable?

No. The duration of the security code is always the same and cannot be modified.

What is the scope of dynamic CVV?

Currently, this solution is available for virtual Mastercard cards in all the countries where we operate.