The security code can be referred to as the Card Verification Value (CVV) or Card Verification Code (CVC) and is typically found on the back of the card. ![]() The date can be typically found on the front of the card, toward the bottom-left, but some newer designs can have this piece of info placed on the back of the card. Most vendors require the expiration date of the card to ensure the card is valid. Be careful when entering the number as payment systems can detect incorrect data and decline the transaction. Your debit card’s 16-digit number identifies the card and is printed or embossed on the front or back of the card. You primarily have to provide the following information: Once you’ve specified you’re paying with a debit card, the checkout screen will lead you to the payment gateway and ask you to enter the card credentials. If you are paying a utility bill, you may be asked to select either “debit card” or “credit card,” in which case you should select the former. Online vendors may have multiple payment options (such as card payment, Apple Pay, or PayPal) and will ask you to select which method you want to use before proceeding to the payment gateway. If you’re using a debit card online for a purchase, you may have to specifically select the card payment option on the checkout screen. Regardless of the website, the standard debit card payment process generally consists of three steps: Source: Kampus Production How To Use a Debit Card Online ![]() ![]() But for online payments, you have to input the necessary payment information manually. In the case of most in-store transactions, the point-of-sale (POS) terminal automatically reads the required payment data from the card’s magnetic stripe or EMV microchip, and you typically have to enter a PIN or a signature to approve the transaction. Since the card number is a significant part of completing any debit card transaction, the payment process typically requires sharing it with the merchant. Once the verification is complete, the processor will extract funds from your account in real-time and deliver them to the merchant. The card number specifically helps the payment processor verify the card network, the banking or credit card service provider, and the associated account number. Similar to a credit card, a debit card contains unique identifiers like a 16-digit card number, expiration date, and CVV code.
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