Understanding CVV Tests and PSD2

A CVV test, crucial for online security, ensures that a card is being used by its legitimate owner. PSD2 enhances this with stronger authentication measures.

What is PSD2?

PSD2, the Payment Services Directive 2, requires additional authentication for card transactions, known as 3DS2, to combat fraud.

Key Points of CVV Testing under PSD2

• Enhanced Security: CVV tests must integrate with PSD2's strong customer authentication.
• Non-Validating Test: The test should not reveal the CVV to the merchant.
• 3DS2 Compliance: Ensure the test process is 3DS2 compliant for added security.

Steps for CVV Testing with PSD2

1. Select a compliant payment service provider.

2. Integrate with 3DS2 to authenticate transactions.

3. Perform a non-validating CVV test to ensure security.

Conclusion

Complying with PSD2 when buying CVVs online ensures secure transactions while adhering to strict regulatory standards.