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Visa PVV Calculator

Calculate PIN Verification Value (PVV) from PAN, PIN, PVKI, and PVK using the Visa 3DES algorithm

💳 Card & PIN Data

13–19 digit card number. Spaces are allowed.

Cardholder PIN. Only leftmost 4 digits are used in PVV calculation.

Key index (1–6) selecting the PVK pair. 0 = PVV not supported.

🔑 PIN Verification Key (PVK)

32 hex characters (16 bytes). The double-length 3DES key used for PVV encryption.

How it works: The Visa PVV algorithm calculates a 4-digit PIN Verification Value without storing the PIN itself. The issuer stores the PVV on the magnetic stripe (or in a database) and compares it during PIN verification.

TSP Construction: The Transformed Security Parameter (TSP) is built by concatenating the rightmost 11 digits of the PAN (excluding the check digit) + the PVKI (1 digit) + the leftmost 4 digits of the PIN = 16 decimal digits (8 bytes).

Encryption & Decimalization: The TSP is encrypted with 3DES ECB using the 128-bit PVK. The 16-hex-char ciphertext is then decimalized: scan left-to-right collecting decimal digits (0–9), then convert remaining hex letters (A→0, B→1, …, F→5) until 4 digits are obtained. This is the PVV.

PVKI = 0: A PVKI of 0 on the magnetic stripe means PVV-based PIN verification is not supported for this card.

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📖 About This Tool

What is the Visa PVV Calculator?

The Visa PVV Calculator computes PIN Verification Values used by Visa for PIN validation. The PVV is a 4-digit value derived from the PAN, PIN, and a PVV Key Pair using 3DES encryption.

🛠️ How to Use
  1. Enter the PVV Key Pair (32 hex characters).
  2. Enter the PAN and PIN.
  3. Enter the PIN Verification Key Index (PVKI).
  4. Click Calculate to generate the 4-digit PVV.
❓ FAQ

What is a PVV?

A PVV (PIN Verification Value) is a 4-digit value stored by Visa issuers to verify PINs without storing the actual PIN. During a PIN verification, the entered PIN is used to compute a PVV which is compared against the stored value.