Blog — Phellipe Rodrigues

Blog

Technical Writing

Sharing insights on software architecture, fintech engineering, and lessons learned building systems at scale.

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Cryptogram: What Really Validates a Card Transaction

I explain what a cryptogram is in the context of EMV and digital wallets, how it's generated, how the issuer validates it, the differences between ARQC and AAV, the impact of the ECI, and common integration errors that affect approval and fraud.

Feb 20, 20265 min read

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Network Tokenization: What Really Happens Behind the "Card Token"

I explain in a practical way what network tokenization is, how it works behind the scenes, differences from gateway tokens, the technical authorization flow, the impact on security (PCI DSS), and architectural decisions to avoid lock-in in payment integrations.

Feb 13, 20268 min read

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CVV, CVC, CVV2, iCVV, and Security Code

Understand the differences between CVV, CVC, CVV2, and iCVV in a clear and objective way, and how these security codes work in in-person (chip, NFC, Tap to Phone) and online payments. Discover when each one is used and why the CVV is losing relevance in modern technologies.

Feb 12, 20264 min read

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