QoTW #40: What’s the impact of disclosing the front-face of a credit or debit card?

” What is the impact of disclosing the front face of a credit card?” and “How does Amazon bill me without the CVC/CVV/CVV2?” are two questions which worry a lot of people, especially those who are aware of the security risks of disclosing information, but who don’t fully understand them.

Rory McCune‘s question was inspired by a number of occasions where someone was called out for disclosing the front of their credit card – and he wondered what the likely impact of disclosing this information could be, as the front of the card gives the card PAN (16-digit number), start date, expiry date and cardholder name. Also for debit cards, the cardholders account number and sort code (that may vary by region).

TC1 asked how Amazon and other individuals can bill you without the CVV (the special number on the back of the card)

atdre‘s answer on that second question states that for Amazon:

The only thing necessary to make a purchase is the card number, whether in number form or magnetic. You don’t even need the expiration date.

Ron Robinson also provides this answer:

Amazon pays a slightly higher rate to accept your payment without the CVV, but the CVV is not strictly required to present a transaction – everybody uses CVV because they get a lower rate if it is present (less risk, less cost).

So there is one rule for the Amazons out there and one rule for the rest of us. Which is good – this reduces the risk to us of card fraud. Certainly for online transactions.

So what about physical transactions – If I have a photo of the front of a credit card and use it to create a fake card, is that enough to commit fraud?

From Polynomial‘s answer:

On most EFTPOS systems, it’s possible to manually enter the card details. When a field is not present, the operator simply presses enter to skip, which is common with cards that don’t carry a start date. On these systems, it is trivial to charge a card without the CVV. When I worked in retail, we would frequently do this when the chip on a card wasn’t working and the CVV had rubbed off. In such cases, all that was needed was the card number and expiry date, with a signature on the receipt for verification.

So if a fraudster could fake a card it could be accepted in retail establishments, especially in countries that don’t yet use Chip and Pin.

Additionally, bushibytes pointed out the social engineering possibilities:

As a somewhat current example, see how Mat Honan got hacked last summer :http://www.wired.com/gadgetlab/2012/08/apple-amazon-mat-honan-hacking/all/ In his case, Apple only required the last digits for his credit card (which his attacker obtained from Amazon) in order to give up the account. It stands to reason that other vendors may be duped if an attacker were to provide a full credit card number including expiration dates.

In summary, there is a very real risk of not only financial fraud, but also social engineering, from the public disclosure of the front of your credit card. Online, the simplest fraud is through the big players like Amazon, who don’t need the CVV, and in the real world an attacker who can forge a card with just an image of the front of your card is likely to be able to use that card.

So take care of it – don’t divulge the number unless you have to!

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