# Dynamic CVV

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.

<a href="/pages/wG85nPV1TvXxlEpfUsrM" class="button primary">Explore Docs</a>

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### Why Dynamic CVV?

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#### **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.
&#x20;The result: fewer chargebacks, lower dispute costs, reduced card reissuance, and less churn from fraud-fatigued customers.

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#### 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.

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#### 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.

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### How does it work?

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><img src="/files/h411u5lVMw9G6BRHvY3q" alt=""></td><td><strong>Seamless on App &#x26; Web</strong></td><td>Provide a secure and easy access to copy/paste the DCVV and card credentials anytime.​
<br>While mobile dominates with 80% of users shopping online on their mobile phone, we are still supporting the DCVV integration on your Web UX.</td></tr><tr><td><img src="/files/NyJhflO6PrYFOLomsDh0" alt=""></td><td><strong>CVV Generation</strong></td><td>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.</td></tr></tbody></table>

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><img src="/files/xkNeLH3j0PfKMwvmYNLH" alt=""></td><td><strong>Authorisation control</strong></td><td>The Thales D1 platform verifies each DCVV during authorization, ensuring only the latest code is accepted and blocking replay attempts.</td></tr><tr><td><img src="/files/AFbJg0hhOTtUuYxbUUmm" alt=""></td><td><strong>Reservation system</strong></td><td>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.</td></tr></tbody></table>

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### 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.

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th></tr></thead><tbody><tr><td><h4>A seamless fit for virtual and numberless cards</h4></td><td>For virtual or numberless portfolios, adoption is frictionless—embed the dynamic CVV directly inside the card display customers already use to access their credentials.</td></tr><tr><td><h4>Upgrade physical cards</h4></td><td>Remove or disable the printed static CVV to eliminate a major fraud vector to switch for a secure experience in the mobile app.</td></tr></tbody></table>

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## They trust us

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### <mark style="color:$primary;">Start Building</mark> with Thales

Accelerate your payment solutions and deliver secure, scalable experiences today.

<a href="https://lp.thalesgroup.com/dev-portal" class="button primary">Contact Us</a>&#x20;

&#x20;
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