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Is cvv not required for online transactions anymore?

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saxena_
I needed to reload my Paytm wallet. By mistake I selected a different card and entered the CVV number of a different card.

To my surprise the transaction went through even though the CVV was wrong.

Tested the same on Amazon Pay. Paid electricity by entering the CVV of a different card, still the transaction went through.

Is it a security issue or there has been some announcement related to this?
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Benevolent Benevolent
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what about OTP

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OTP was needed. But CVV is a good added security imo
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Read something like this on dd a few days ago.. This looks serious..

Benevolent Benevolent
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Domestic online transaction need 2F authentication OTP +(CVV or App authentication which can be PIN, Biometric etc).

High chances App authentication was used and CVV was not even used for transaction.


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I thought so too. But my paytm isn't biometrically locked. No pin or anything is required to open my Paytm. Same is the case with Amazon pay. OTP + pin works in the case of PayZapp 
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This must have something to do with the card tokenization RBI bringing into action from tomorrow Oct 1st...They told by tokenization, the card details will remain more secure but wtf is this?? Transaction getting approved with wrong CVV ?

Finance Ninja Finance Ninja
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Big merchants exclude CVV verification to reduce the transaction cost.

If there is any fraudulent transaction then the matter will go in favor of the customers.

But on large scale - big merchants like Paytm, Amazon, Flipkart, Myntra etc save crores of rupees.
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Deal Cadet Deal Cadet
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Is it SBI Card ?

Happened to me in SBI Card

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Literally any card
Deal Cadet Deal Cadet
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This was a common issue with Standard Chartered cards a few years back. Was it?

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Do you have tokenized card? May be possible they removed CVV validation for tokenized card.. since that card is already verified by user for that site
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Ohh. This could be the answer I guess. Yes my cards are tokenized. They should remove the field of CVV if this is the case.

If this is correct then it is weird that RBI is supposedly making our cards more "secure" by completely eliminating one of the steps for authentication.
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Mobile Guru Mobile Guru
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Looks card-specific, just tried 10rs mobile top-up via amazon with a tokenized card (FK Axis cc) + Wrong CVV and the transaction failed (There are 2/3 dnd threads about the same for SBI cards.. may be there are other cards too)

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CVV and expiry date are optional fields for cc transactions to improve security only card number enough for the transaction to go through check amazon US they need only the card number

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International transactions are different. Rules are different here, or at least were until recently
Deal Lieutenant Deal Lieutenant
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inhi chijo ke waja se mene koi card kabhi tokenize nahi kia kabhi b apni payment instruments ko online kahin b nhi save nhi krna chahye specially apne credit card ko.....
Finance Mentor Finance Mentor
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Your card will get automatically gets tokenized from day when you do transactions from today. 

Generous Generous
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Just yday while buying 500 agv on amz using sbi cc txn failed due to wrong cvv
In ur case It could be due to secured saved card or card specific issue 
Like Magnet Like Magnet
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Exact same thing happened with me paid on dunzo from cred using hdfc credit card. Wrong CVV was entered
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It happened once with SBI cc I entered last digit CVV incorrect It went through and generated OTP. And after entering OTP , payment was successful.
Savings Mentor Savings Mentor
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This happened with my BOB debit card. The CVV shown in the app for virtual DC was different. I wrote down card details somewhere. After a few days, card number remained the same and expiry but CVV changed. Despite using either OLD or NEW CVV, the transaction always succeeds. smile

Cool Cool
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Happend with me.. in my case standard chartered card on payzapp. Transaction went through wrong cvv
Generous Generous
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This is very old issue, when some a few years ago I contacted the bank for the same, they told me that they do let the transaction complete if OTP is correct. They randomly pick expiry date/ cvv to check. Mostly they do check expiry date. This is strange and random behavior, many times I observed that both are checked.

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