Question 1

What is PIN PVV?

Accepted Answer

PIN Verification Value (PVV) is a Visa standard for PIN verification. It's a 4-digit value calculated from the customer PIN, card number (PAN), and a secret PIN Derivation Key (PDK) using 3DES encryption and decimalization. Banks use PVV to verify customer PINs without storing the actual PIN.

Question 2

How is PVV calculated?

Accepted Answer

PVV calculation: 1) Encrypt the PAN (right-aligned, zero-padded) with the PDK using 3DES ECB. 2) Apply decimalization table to convert hex to digits (0-9 stay, A-F map to 0-5). 3) Extract 4 digits starting at position PVKI (Transformed Selection Process - TSP). 4) Calculate PVV by adding PIN and TSP digit-by-digit modulo 10.

Question 3

What is PVKI?

Accepted Answer

PVKI (PIN Verification Key Index) is a value from 0-9 that determines which position in the encrypted PAN to start extracting digits for TSP. Different cards can use different PVKI values to add variation to the verification process. The PVKI is typically stored with the card account.

Question 4

What is TSP in PVV calculation?

Accepted Answer

TSP (Transformed Selection Process) is a 4-digit value extracted from the decimalized encrypted PAN starting at the position indicated by PVKI. It's combined with the customer PIN to produce the PVV. The TSP acts as a cryptographic salt that varies per card.

Question 5

How do I verify a PIN using PVV?

Accepted Answer

Use the PIN tab: enter PDK, PAN, PVV (stored value), and PVKI. The tool calculates the natural PIN by encrypting the PAN, extracting TSP, and reversing the PVV formula: PIN = (PVV - TSP) mod 10. Compare the result with the customer-entered PIN to verify correctness.

PIN PVV Calculator

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PIN PVV FAQ