What Are CMVs?

CMV stands for "Cardholder Verification Method". With the new implementation of EMV practices, there are now 4 different CMVs:

  1. Online PIN, where the PIN is encrypted and verified online by the card issuer
  2. Offline PIN, where the PIN is verified offline by the EMV card
  3. Signature Verification, where the cardholder signature on the receipt is compared to the signature on the back of the card.
  4. No CMV, where none is used (typically for low value transactions or for transactions at unattended POS stations


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