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The answer depends on the store's policy on processing credit card transactions.

Every merchant that accepts credit cards has a policy concerning how they choose to authenticate credit cards. Generally, the more checks that the merchant does, the lower the cost of the transaction for that merchant.

Many retail stores (suggesting store clerks) do check the three security numbers on the back and enter that information into the register/reader when conducting the transaction. Having those three numbers helps indicate that the transaction was done with "card in possession."

IF you are not sure that a store clerk is handling your credit card correctly, ask to speak with a store manager and ask the process that they use to process a credit card transaction at the register.

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Q: Does a store clerk need to check the 3 security numbers on the rear of a credit card?
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