3-Digit Code
Where can I find it?
The 3-digit code is located on the back of your
card, inside the signature area. Typically the
signature panel will have a series of numbers, but only the last
three digits make up the CVV2 code.

What does it do?
It’s actually more about what it prevents. When shopping online
or over the phone, the 3-digit code helps merchants
ensure that the card is in the right hands. Merchants will request
the CVV2 at checkout from the cardholder, and the information is sent
electronically to the card-issuing financial institution to verify
its validity. Within seconds, the CVV2 results are returned with authorization.
If it’s
returned invalid, merchants have the right to stop
the transaction.
And for your added protection, merchants are prohibited from keeping
or storing the CVV2 number after the transaction has been completed.