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About That Three-Digit Security Code (CVV) ...

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Old Dec 17, 2017 | 11:01 pm
  #16  
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Chevron seems to be the only gas station chain that has not yet implemented EMV on a wide-scale basis in-store.

Chevron only requires CVV on in-store purchases in some California locations on Visa and MasterCard.

Outside of California, they are requiring zip code on in-store purchases at some locations on all card types for Credit (not CVV).

They are doing the CVV in California because state law prohibits them from wanting the zip code on an in-store transaction. Skimming is a very significant fraud loss reason in California anyway, specifically about three counties down in southern California which account for probably 90% of the fraud in the entire network, so taking the CVV should eliminate some fraud.
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Old Dec 18, 2017 | 3:19 pm
  #17  
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Originally Posted by Bidkat
Why is this practice allowed by the issuers, and how do we stop it?
Defeats the entire purpose of the code.
No.. it doesn't. It's another level of verification that the card number you gave me is actually your card. I didn't ask for your PIN. I would expect a customer to refuse to give me their PIN, but the CVV is designed exactly for this reason.

Anyone who refuses to give me a CVV code doesn't do business with me unless they are physically with me.
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Old Dec 18, 2017 | 7:10 pm
  #18  
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Originally Posted by storewanderer
Chevron seems to be the only gas station chain that has not yet implemented EMV on a wide-scale basis in-store.

Chevron only requires CVV on in-store purchases in some California locations on Visa and MasterCard.

Outside of California, they are requiring zip code on in-store purchases at some locations on all card types for Credit (not CVV).

They are doing the CVV in California because state law prohibits them from wanting the zip code on an in-store transaction. Skimming is a very significant fraud loss reason in California anyway, specifically about three counties down in southern California which account for probably 90% of the fraud in the entire network, so taking the CVV should eliminate some fraud.
I don't know if this would work on US domestic cards but when I've said Its a Canadian card they've always just told me to press enter 3 times (and some even bypass it on their system).
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