John Miller, Credit Cards Moderator
@john_miller
No, online purchases do not require a credit card PIN. Instead, you may be asked to provide the 3 or 4-digit CVV in order to confirm your identity. The CVV is usually found on the back of your card.
PINs are required for cash withdrawals at an ATM, or to verify in-person transactions. When you input the PIN at the POS, it is then compared to information stored on the card’s embedded chip, and the transaction is either approved or denied. This isn’t possible for online transactions, since there’s nothing on the website that can actually read the information stored on the chip.
It's important to keep your CVV safe in order to protect your credit card. Don't jot it down where others might see it, and only share it when making secure online or phone transactions with trustworthy merchants. If, by chance, your CVV gets into the wrong hands and is used for an unauthorized purchase, you can rest easily knowing that your card has a $0 fraud liability benefit. This means that you won't be liable for any fraudulent transactions.
People also ask
How can I get a PIN for my Visa credit card?
You can get a PIN for your Visa credit card by calling the number on the back of your card. A customer service representative will assist you in the process. Depending on your card, you might also be able to set up a PIN from your online account.
Please note that even though a PIN is not usually required for regular purchases, if you want to use your card at an ATM to take out a...
read full answer by Sydney Garth, Credit Cards ModeratorCan you use a credit card without a PIN?
Yes, you can use a credit card without a PIN. You only need a PIN if you plan to use your card for cash advances at ATMs or to make certain purchases when traveling abroad, as you'll otherwise be able to insert a card's chip, swipe the magnetic stripe, or tap the contactless payment terminal when using your card in person. When making credit card purchases online, you just need to enter your card number, expiration date,...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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