SpectrumPayment Solutions
All terms
Security & ComplianceAlso: CVV

Card Verification Value

The short security code printed on a card that proves the buyer physically has it during a card-not-present sale. Requiring CVV is a basic, effective fraud check, and the code must never be stored after authorization.

CVV confirms possession of the card, not the identity of the buyer, so it complements rather than replaces other fraud tools.

Go deeper

Related terms

Security & Compliance

Address Verification Service

A check that compares the billing address entered at checkout with the one on file at the cardholder's bank. AVS is a simple, widely used fraud signal for card-not-present transactions, often combined with other checks.

Read
Payment Methods

Card-Not-Present

A transaction where the card is not physically presented — online, over the phone, or in-app. CNP sales carry higher fraud and chargeback risk than in-person sales, which is why they rely on fraud tools like CVV, AVS, and 3-D Secure.

Read
Security & Compliance

PCI DSS

The Payment Card Industry Data Security Standard — a set of security requirements every business handling card data must meet. Compliance protects customers and merchants and is a baseline expectation of any legitimate processing relationship.

Read

Ready to get approved?

Tell us about your business. A high-risk specialist will map the fastest path to live payments.

Start my applicationapply@spectrumepay.com