How to Use Payment Gateway Without CVV Number?

On your credit card, which could be MasterCard, Visa, American Express, or Discover, you will find a three- or four-digit number known as the CVV number. CVV stands for Card Verification Value, located at the back. It would help if you did not confuse your card PIN with the CVV and never mistake one for the other, as it will cause some significant issues. A CVV number is essential for making payments, but can you get through the payment gateway without CVV number? You will find your answers here.

What is a Payment Gateway, How Does It Work Technically?

A payment gateway is an online payment service channel for making and receiving payments in e-commerce platforms. The primary role of the payment gateway is to approve transactions, which also plays a vital role in authenticating the payment. It also helps to secure payment services in e-commerce platforms while being convenient. Payment gateways mainly work by settling the payment by following a procedure.

For any merchant that has the payment gateway enabled, the customers need to go through it. The entire payment gateway procedure requires the customer to fulfil the card details for successful payments, such as credit or debit card number, CVV, and the expiry date. Once this is posted, the customer makes a payment, and the amount gets transferred from the customer’s account to the merchant’s account.

Do You Need CVV for Any Type of Payment?

The CVV number on the back of your card is necessary for making payments, along with the credit or debit card details. If you are in a physical store, then the number will not be necessary, as the cashier will automatically know that a card can only be issued with the CVV number on the back. However, for online transactions, you must input the valid CVV number to authenticate your purchase.

Without the number, the online merchants will take you as a fraud and cause chargebacks. The CVV number is like a security measure. You should never give out your CVV number if anyone, other than the people you trust, asks for it to make payments, as it means they are most likely trying to steal from your account using the card.

Which Payment Gateway Does Not Require CVV Number?

Stored cards do not require CVV for purchases apart from the initial purchase. You do not have to fill in the CVV number for the rest of the payments. The Google Pay system does not require filling out the CVV space, as the OTPs will be filled out automatically. Your credit or debit card of choice will be saved on the Google Pay account, and once the app is unlocked, the payment will be made automatically.

In some cases, CVV is not required for processing the transactions but not inputting the number will increase the risks of transactions, specifically in e-commerce sites. If you find a gateway provider that agrees to process the transactions without needing a CVV number, the chances of the transaction getting declined are high. So, there are almost no payment gateways that can be passed without CVV.

What Sites Don’t Require CVV?

Many sites do not require a CVV. Stores that accept payment management or have alternate payment methods do not need a CVV to process your payment. Also, the stores with your credit card details said they would not require CVV. Here are the sites that do not require CVV:

• Amazon
• Chinavasion
• Pagecomputers
• Xheli
• Nexus
• Nba
• Sierratradingpost
• Benefit
• Target
• Lacoste
• Buy
• Eddie Bauer
• Bebe
• Armaniexchange
• Islandnet
• Price
• Walmart
• Compuplus
• Mwave
• Post
• Price
• Staples
• Buy-phone
• Laptopcloseout
• Shopbot.ca
• Shopaveratec
• Mac connection
• Onsale
• Ibuypower
• Jr
• Myworldphone
• Sears
• Laptopwarehouse
• Integrontech
• Pcnation
• Frontierpc
• Bestdirect.ca
• Wellcoolstuff
• Hmv.co.jp

These are just some websites that do not require CVV for payments. You will find other sites that do not ask for it as well.

How to Use Payment Gateway Without CVV Number?

A CVV number is one of the most crucial security features that help the merchant authenticate the payment. The CVV number is less necessary during the present transactions in shops. But for online or via phone transactions, a CVV number is necessary, or the merchant will not be able to verify your payment. You only have to go through the payment gateway when shopping online. Using the payment gateway by inputting the CVV number is possible.

However, you should ensure the website’s authentication before giving them your CVV number. If your credit card has a CVV number, it is either not approved for online or international transactions. Debit cards that do not have the CVV number are not approved for online transactions.

Some software or tools online will advertise that they can get around the CVV code on your card but do not trust them. It is because they are only trying to get complete details of your card and scam you. Avoid testing the methods found on the internet, as they are mostly filled with scammers. Many physical shops do not ask for a CVV number, but they require the PIN code for your credit card to verify the owner’s authentication.

All the online stores are bound to ask for the CVV number; without that, the transaction might be a fraud. However, online merchants can customize their website and payment gateway to work in a work that will not ask for the CVV number. But that would be risky and not a wise idea for the merchant or customer.

Does Every Shop Ask for a CVV Number?

Every physical shop does not ask for a CVV number as, in most cases, the number is issued on the back of the credit card. The merchants are not supposed to store your CVV number as it is unsafe for your card or justified for them ethically. During the physical payments, your card is present with you, automatically lowering the chances of fraudulence. Then, to be extra secure, you must enter the card’s PIN. So, the stores usually do not ask for the CVV number separately.

As for online payments or transactions made over the phone, the CVV number must be present so that the merchant does not get scammed. It is the only safe and foolproof way for the merchants to make sure that the customer has the card present with them and not try to be a fraud.

Is it Safe to Let Other People Know Your CVV?

It is never safe to let other people apart from your trusted or close ones know any details regarding your credit or debit card. Nowadays, online hackers have been on the rise, and they can scam your account within a couple of minutes with very little information. For online purchases, putting your card information is safe if the website is trusted and the business has no bad reviews.

Other than that, any other susceptible web pages should not be trusted with such vulnerable information. Moreover, if you want to be extra cautious and give out your CVV number during offline payments, then the chances of your information getting stolen will increase as the person will have all the details of your card and they can start shopping with the stolen card.

Final Words

It is not the best idea to get through the payment gateway without CVV number, as there are a lot of risks regarding your credit or debit card account. The CVV number protects your card details and authenticates the merchant’s payment. Not having it will be troublesome for both the merchant and the customer. The internet might show you ways to get past the payment gateway without CVV number but do not fall for those as, in most cases, those are hackers ready to steal from you. Always stay cautious and alert with your credit or debit card details, as they are very easily stolen.

Frequently Asked Questions