Card Authentication Value (CAV)

The Card Authentication Value (CAV) is a security component utilized by card associations to authenticate the validity of credit or debit cards during transactions.

This form of cryptographic check value is embedded in the magnetic stripe of the card. The CAV is determined using a specific formula that involves cardholder information, and the card issuer verifies it during transactions.

The implementation of the CAV helps to prevent card fraud by validating the legitimacy of the card used in a transaction and ensuring it has not been manipulated.

This level of authentication further strengthens the security framework of card transactions, reinforcing the reliability of the payment industry and fostering trust among consumers and businesses in digital commerce.