Because you only need to provide the card number and the three-digit verification code (CVV, also known as the "last three digits") on the back of the credit card to complete the payment.

The so-called last three digits are the last three digits on the back of a string of cards. This code is generated by the encoding rules and encryption algorithm of the issuing bank. During the payment process, if the merchant provides the last three digits to the bank, the bank will by default obtain cardholder authorization for the merchant, allowing the transaction to proceed.

The last three digits are extremely critical in offline transactions, bringing convenience to cardholders and merchants. We cooperate with qualified merchants. The merchant first freezes a portion of the cardholder's funds before consumption. Only after the cardholder signs the payment can the merchant officially deduct this part of the funds.