Visa continually develops and evolves technologies to help deter fraud. One of these technologies is the three (3)-digit code, which is commonly used as a security tool by merchants who accept Visa cards for phone and/or online orders to ensure the customer is in possession of a genuine card. Some in-store merchants may also enter the 3-digit code as a security measure to ensure the card is not a counterfeit card.
The 3-digit-code is the last 3 numbers on the back of Visa cards, printed at the end of the signature panel (as shown below) or in a white box outside the signature panel (as shown below). The 3-digit code is a crucial security feature on Visa cards that helps merchants validate purchases.
By asking for more information to complete a Visa transaction during a phone, online or in-store transaction, Visa helps to mitigate potential fraudulent transactions.