Calculate CVV/CVC

To calculate the verification values you need the following data:

Enter the 16 or 19 digits card number:

Enter the 4 digit Expiry Date YYMM(EX: 2312):

Enter the 32 hex digits CVV Encryption Key(MDK):

Service code (used for CVV/CVC only):

Application Transaction Counter ATC(used for dCVV only):

CVV/CVC
iCVV
CVV2/CVC2
dCVV

Card Verification Value

How Card Verification Value
CVV/CVC iCVV CVV2/CVC2 dCVV
calculation for Visa Mastercard works

Documentation - How to calculate CVV - Algorythm

Step 1. Ensure a 2-part 16 byte key. That is 32 hex characters. We will call this "Key"

Step 2. Ensure 16 or 19 digits PAN Card number

Step 3. Ensure 4 characters of Expiration Date

Step 4. Ensure 3 characters of Service Code

Step 5. Concatenate PAN, Expiry date, Service Code

Step 6. Fill with zeroes to the right until you have 32 characters. We will call this "Data"

Step 7. Encrypt (DES) the first half of the data with the first half of the key

Step 8. XOR the result with the second half of Data.

Step 9. Encrypt (DES) the result with the first half of the Key.

Step 10. Decrypt the result with the second half of the key.

Step 11. Encrypt the result with the first half of the key.

Step 12. Get only the digits(numbers) from the result; First 3 are the CVV