CAVV Calculator and Decoder

Calculate and decode Cardholder Authentication Verification Value (CAVV) used in 3D Secure transactions. CAVV is a cryptographic value that proves the cardholder was authenticated.

CAVV Version

PAN (Primary Account Number)

Expiry Date (YYMM)

Service Code

Authentication Data (Hex)

Encryption Key (Hex)

About CAVV

The Cardholder Authentication Verification Value (CAVV) is a cryptographic value generated during 3D Secure authentication. It serves as proof that the cardholder was authenticated by the issuer before the transaction.

CAVV in 3D Secure

In the 3D Secure protocol:

The issuer authenticates the cardholder
The issuer generates a CAVV using the PAN, transaction data, and authentication result
The CAVV is included in the authorization request
The payment network validates the CAVV to confirm the authentication

CAVV Format

The CAVV format varies by card network:

Visa: Uses a 20-byte value called CAVV
Mastercard: Uses a similar value called AAV (Accountholder Authentication Value)
American Express: Uses AEVV (American Express Verification Value)

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No sensitive data is ever transmitted to our servers.