Give cardholders a secure, one-use credential for every online payment. Thales' Digital Dynamic CVV (DCVV) transforms static card data into a dynamic security layer that protects all PAN-based transactions from day one - with no merchant adoption required.

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Why Dynamic CVV?

Reduce direct fraud costs at scale

Block stolen or falsified credential fraud before it reaches authorization. With PAN-based attacks representing over 40% of card fraud in 2025 (and rising across 87% of issuers) DCVV removes an entire fraud vector. The result: fewer chargebacks, lower dispute costs, reduced card reissuance, and less churn from fraud-fatigued customers.

Cut redundant authentication and lower cart abandonment

Because authentication sits natively inside the Dynamic CVV flow, issuers reduce unnecessary 3DS challenges for low-value payment. Customers experience fewer step-ups, faster checkouts, and a smoother path to approval.

Works everywhere from day one

Digital Dynamic CVV protects all PAN-based transactions with no dependency on merchant acceptance. It delivers immediate protection across eCommerce and reservation-based payments and PAN-based wallet provisioning.

How does it work?

Seamless on App & Web

Provide a secure and easy access to copy/paste the DCVV and card credentials anytime.​ While mobile dominates with 80% of users shopping online on their mobile phone, we are still supporting the DCVV integration on your Web UX.

CVV Generation

Issuers configure the lifetime of DCVVs to achieve the right balance between their risk tolerance and user experience. Each generated code can be used for a single transaction and expires automatically if unused.

Authorisation control

The Thales D1 platform verifies each DCVV during authorization, ensuring only the latest code is accepted and blocking replay attempts.

Reservation system

Our DCVV accommodates merchants with multi-step transactions, such as hotels, car rentals, marketplaces, or security deposits. Our reservation logic enables secure credential reuse for follow-on authorizations without ever exposing static card data.

Launch new card products and enhance existing ones

Whether modernizing legacy cards or accelerating a digital-first strategy, Thales' Digital Dynamic CVV adapts to your roadmap and helps you scale faster.

A seamless fit for virtual and numberless cards

For virtual or numberless portfolios, adoption is frictionless—embed the dynamic CVV directly inside the card display customers already use to access their credentials.

Upgrade physical cards

Remove or disable the printed static CVV to eliminate a major fraud vector to switch for a secure experience in the mobile app.

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