Credit Card Glossary

card number / pan (personal account number) the series of numbers that is card number consists on 15 20 numbers (usually 16 digits) printed at the front of cvv / cav / cvv2 / csc a series of numbers consisting of 3 to 4 digit numbers print on back of a cvv only can be input by on cvv is confidential, customers aren't allowed to inform anyone about cvv merchants aren't allowed to store cvv in any form merchants aren't allowed to ask customers for cvv information expiry date the expiration date of or debit card the expiry date printed on front of card acquirer /non institutions receiving and processing funds for transactions from customers such as visa and mastercard issuer /non institutions that issue credit cards to customers otp (one time password) a series of random numbers (generally consisting of 4 to 6 digits) send to customer's cell phone as part of authentication the otp is confidential customers are not permitted to notify any party otp may only type directly by or account owner on amex short for american express, principal chargeback refunds from to after receives submission from and does inspection