Csc Service Work Charge On Credit Card: Everything You Need To Know In 2023


As online transactions become increasingly common, credit card companies have implemented various security measures to protect their customers from fraud. One of these measures is the Card Security Code (CSC), also known as the Card Verification Value (CVV) or Card Verification Code (CVC). In this article, we will discuss everything you need to know about CSC service work charge on credit cards in 2023.

What is CSC?

CSC is a three or four-digit code printed on the back or front of credit cards, depending on the card issuer. It is not embossed like the card number and the expiration date, making it harder for fraudsters to obtain. The CSC is required for online transactions, phone orders, and in some cases, card-present transactions.

How Does CSC Work?

When a customer initiates an online transaction, they are prompted to enter their credit card information, including the CSC. The merchant then sends this information to the acquiring bank, which in turn sends it to the card issuer for verification. If the CSC matches the one on file, the transaction is approved. Otherwise, it is declined.

Why Do Credit Cards Charge for CSC Service Work?

Some credit card companies charge a fee for CSC service work, which is the cost of verifying the CSC during a transaction. This fee is usually a small percentage of the transaction amount or a fixed amount per transaction. The reason for this fee is to cover the cost of implementing and maintaining the security measures necessary to protect customers from fraud.

Which Credit Cards Charge for CSC Service Work?

The CSC service work charge varies by credit card issuer and can change over time. Some credit cards that currently charge for CSC service work include American Express, Discover, and Mastercard. Visa, on the other hand, does not charge for CSC service work.

How Much Do Credit Cards Charge for CSC Service Work?

The amount charged for CSC service work depends on the credit card issuer and the type of transaction. For example, American Express charges 0.30% of the transaction amount for online transactions and 0.50% for phone orders. Discover charges a fixed fee of $0.10 per transaction for both online and phone orders. Mastercard charges a variable fee based on the merchant’s industry and the country where the transaction takes place.

How to Avoid CSC Service Work Charge?

If you want to avoid paying CSC service work charge, you can use a credit card that does not charge for it. As mentioned earlier, Visa does not charge for CSC service work. You can also use other payment methods, such as PayPal, that do not require CSC verification.

What are the Benefits of CSC?

CSC provides an additional layer of security for credit card transactions, reducing the risk of fraud. It also protects merchants from chargebacks, which occur when a customer disputes a transaction and requests a refund from the card issuer. By verifying the CSC, the card issuer can confirm that the customer authorized the transaction and reduce the likelihood of chargebacks.

What are the Limitations of CSC?

While CSC provides some level of security, it is not foolproof. Fraudsters can still obtain the CSC through various means, such as phishing scams or skimming devices. In addition, some merchants may not require CSC verification for card-present transactions, making it easier for fraudsters to use stolen credit cards.

How to Protect Your Credit Card from Fraud?

Here are some tips to help protect your credit card from fraud:

  • Keep your credit card in a secure location and do not share it with others
  • Monitor your credit card transactions regularly and report any unauthorized charges immediately
  • Use strong passwords and two-factor authentication for online accounts
  • Be cautious of phishing scams and do not click on suspicious links or download attachments from unknown senders
  • Check the security features of ATMs and card readers before using them


CSC service work charge is a fee that credit card companies charge for verifying the Card Security Code during transactions. While it provides some level of security, it is not foolproof, and fraudsters can still obtain the CSC through various means. To protect your credit card from fraud, it is important to take necessary precautions and monitor your transactions regularly.