What are card not present transactions?

Understanding transaction types with Nochex

Card Not Present Transactions

What are Card Not Present transactions?

Card not present transactions (CNP) are where the cardholder does not need to physically present their card for a merchant to inspect.

In the industry, there are many different terms for card not present transactions, and they can come in different formats.

It’s often said that card not present transactions involve a higher risk of fraud. Many businesses spend large sums of money on fraud prevention and data validation tools to avoid this fraud.

Fortunately, as a Nochex merchant you don’t need to spend or invest in this technical systems. All Nochex Internet Merchant Accounts and payments have the highest level of Fraud and Prevention Security.

If your business is ready to take online payments in a secure, stable way – apply for an account here. 

What do Card Not Present transactions look like?

Online Payments

Purchasing goods or services online using a service like Nochex to process the transaction.

Telephone Payments

As it says on the tin… purchasing things over the phone. For example paying a bill, or ordering from your local takeaway.

Card On File Payments

Also known as recurring payments, or subscription payments. These are when the card information is saved, and charged at certain intervals.

Mail Order

Not as popular as it once was, but these transactions still exist!

Card Not Present Transactions and Chargebacks

As previously mentioned, CNP transactions carry greater risk. As the name suggests, for a payment to be processed, you do not need to display the card to pay.

With this risk, comes chargebacks. A chargeback occurs when a customer disputes a transaction with their card issuer and would like the transaction to be reversed.

Many merchants will experience chargebacks in their processing lives. Some processors, like Nochex, perform extra fraud prevention techniques such as 3D Secure.

We've created a handy guide for chargebacks here!

3D Secure for Safer Payments

3D Secure stands for Three Domain Secure. It’s a fraud prevention technique then increase the security of a payment. It is a collective of Verified by VISA (VBV) and MasterCard Secure Code (MSC).

The 3 stands for 3 parties involved in the payment process;

  • VISA and MasterCard (card issuers)
  • The Acquiring Bank
  • The company the purchase is being made from

3D Secure gives added protection that previously never existed. All Nochex card not present transactions are 3D Secure enabled!

Learn more about 3D Secure for Safer Payments

The shift of card not present payments.

Card not present payments have seen much innovation over the past 15 years. Initially, fraud and security was the primary focus, typically card not present payments pose a higher risk.

Although mail order payments are no longer as popular, the close alternative of telephone payments has seen a surge of uptake in this mobile generation. Digital payments are simple and secure, and can often be completed in seconds.

internet merchant account telephone payments

Still looking for a card not present payments solution?

Apply for your account with no monthly fees here!

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