Today a POS asked for my card's 3 digit code. It was at a Chevron. Debit card ran as credit. ~$23. I thought the code was originally designed for online purchases? What gives?
Well it might be because cards are easy as fuck to counterfeit, so asking for the cvv adds an extra layer of security. I'd argue that if you have the card copied, you probably have the cvv too.
This really has been on the rise lately. I think it has something to do with new POS stations, as it started happening to me recently at my local stores when they upgraded their systems. Just started asking for the cvv randomly one day, and haven't stopped. Wonder of this is a form of data collection or PCI compliance.
>>61827204
The CVV printed on the card is supposed to be used for card not present transactions, when the card is unavailable to be physically read. The 3 digit code printed on the card is different than the code written to the magstrip/EMV chip. With cards being skimmed at gas stations easily, the CVV is a way to verify that the card is legitimate, as the physical card is nessecary for purchase. Granted, the gas stations that I go to ask for PIN verification instead, which is much more secure for debit transactions.
Speaking of cards, why the fuck don't gas stations have EMV readers installed in them yet? Skimmers aren't as prevalent, and transaction data is sent over an encrypted connection. Why we still have to swipe at gas stations while everyone else asks for chip is beyond me.
>games have physical authenticators
>doors have physical authenticators
>can be tied to your smartphone
>creditcard companies not letting this happen
>instead rely on 3 digit pincode that can be easily guessed or signature which is not even sent back to their servers for saving
why?
because they make money when someone charges a fuckton on a card and causes you greif
hail satan
>>61827447
I also thought there might have been a change in PCI rules. However, I have a merchant account and process cards daily; never had to ask anyone for their CVV (unless over the phone).
>>61827633
B of A forced me to upgrade to EMV reader. Claimed it was now "law."
>>61827717
how stop senpai?