I run a small bank in France and we cycle the whole card everytime: numbers (called PAN), expiry date and CVV. The costs with Visa, manufacturing partner and pr

I run a small bank in France and we cycle the whole card everytime: numbers (called PAN), expiry date and CVV. The costs with Visa, manufacturing partner and processing partner is negligible (compared to keeping the PAN). Every bank I know in the EU is doing the same.