Card Not Present Definition

Merchant Account Card Not Present Explained:

What is Card Not Present? “Card-Not-Present” is a credit card processing industry term used to signify transactions in which the physical debit or credit card is absent during the sale. Card-not-present transactions happen either when the merchant types in the credit card information on location (even if the card is in hand), or when the customer types it in from another location such as in e-commerce sales.

Card-Not-Present transactions pose a much higher risk for fraud because the card is not swiped through a card reading device and not on location during the sale. Due to this, transaction fees for card-not-present run at higher Interchange processing fees and, in many cases, higher provider markup fees.

Card-not-present Video Explanation

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I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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