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Frequently Asked QuestionsWhat is a Card Not Present (CNP) Transaction?

A Card Not Present (CNP) transaction is one processed when the cardholder and their card are not physically present in front of the merchant at the time of the order/booking and card payment. Card Not Present transactions include e-commerce (payments where the card is entered online for payment) and Mail-Order/Telephone-Order (MO/TO).  

Card Present (CP) transactions are only those processed when the card and cardholder are physically present at the time of the transaction, which occurs when the card’s magnetic strip is swiped or the card’s chip is dipped (in the case of EMV transactions) through a physical terminal or card reader.  

Card Not Present transactions tend to have a higher risk of fraud chargebacks because the actual card is not presented at the time of payment. 

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