Transactions in which the payment card is not physically presented to the merchant.
Online, phone, and mail orders allow transactions without physical cards. This card-not-present (CNP) commerce unlocks convenience but also risks. Learning how CNP payments work provides the knowledge to maximize opportunities while minimizing vulnerabilities.
Card not present transactions occur when purchases are made remotely without physically presenting a card to the merchant. CNP purchases include:
Without card swipes or chip inserts, buyers manually enter details during checkout. There is greater reliance on personally identifying data.
Understanding CNP helps buyers and merchants:
CNP commerce unshackles purchases from physical locations. While this freedom introduces new risks, proper precautions pair opportunity with protection. With vigilance, CNP capabilities become the ultimate cardholder convenience.