Abstract: A method for using dynamic CVV in QR code payments is described. The method comprises generating a random number, via a payment module, on a mobile device for a mobile transaction, authenticating user account information, and decrypting encrypted user data when the user account information is authenticated. The method also comprises retrieving a user account unique key, determining a counter number via an application transaction counter, and generating a dynamic verification code, via the payment module, based on the generated random number, the user data, the counter number, and the user account unique key. The method further comprises generating track data, the track data comprising the user data, the random number, and the dynamic verification code, generating a two-dimensional matrix barcode from the track data, and displaying, via the payment module, the generated matrix barcode to a sales terminal for the mobile transaction.