Short answer
No legal market sells CVVs from cardholder accounts at zero fees. A CVV is a card verification value tied to a payment card. Selling card data that belongs to another person is a federal crime in the United States. The fee structure does not change that. Posts on Reddit that offer "no fees" for CVV sales fall into three groups: fraud promotion, a scam that targets the seller, or a law enforcement account.
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What a CVV is
A CVV is the 3-digit code on the back of most cards, or the 4-digit code on the front of American Express cards. The code helps a merchant confirm that the person using the card holds the physical card. Banks treat the code as an authentication element. Card networks require merchants to protect it. Storing or sharing a CVV outside permitted payment processing breaks card network rules.
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Why "no fees" offers appear
Card data brokers charge for access because the data has a street price. An offer of zero fees breaks that model. Common patterns:
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- A buyer asks the seller to send a test card first, then stops replying after receiving data.
- A "buyer" pays with a payment method that can be reversed, then files a chargeback.
- A "buyer" asks the seller to move to a chat app, then uses the chat log to demand money.
- A poster collects seller contact details and sells that list to other criminals.
Legal exposure for a seller
18 U.S.C. § 1029 covers trafficking in counterfeit or unauthorized access devices. Penalties reach 15 years in prison and fines for aggravated offenses. Prosecutors pair that charge with wire fraud under 18 U.S.C. § 1343 and identity theft under 18 U.S.C. § 1028A. Sentences stack. A seller does not need to be the person who used the card. Possession of a bulk list of card numbers supports the charge.
What Reddit does
Reddit's content policy bans transactions that violate law. Subreddits that traded card data have been shut down. Accounts that post offers get suspended. Reddit reports some cases to law enforcement. Reddit does not publish counts of removed posts for card data sales, so any number you see on a forum is unverified.
How to report
Report credit card fraud to the Internet Crime Complaint Center at ic3.gov. Report identity theft to the FTC at IdentityTheft.gov. Report a post to Reddit with the report tool. Call the fraud department of the card issuer. Keep records: dates, account numbers, screenshots, and usernames.
Unknowns
The dollar volume of these Reddit offers is not public. No agency publishes a figure for card data sales that start on Reddit. Treat any total you see in a post as unverified.