Cardholder Authentication Verification Value (CAVV)

The Cardholder Authentication Verification Value (CAVV), is a security measure implemented by Visa for their 3-D Secure protocol specifically designed for card-not-present transactions.

This unique value is generated when the cardholder’s bank validates an authentication request during an online transaction. The purpose of the CAVV is to affirm that the transaction has been authenticated, thereby diminishing the potential for fraud. It is generated by the card issuer once the cardholder’s identity has been authenticated during an online purchase process.

The CAVV is then encrypted and transmitted alongside the authorization request for the online transaction to the merchant’s bank.