Card Not Present Definition

By Phillip Parker

Last Updated: September 25, 2011

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

Use of this video does not constitute an endorsement of any kind by CardPaymentOptions.com.

About The Author

Phillip Parker

Phillip Parker is an independent card payment expert specializing U.S. and Canadian point-of-sale, e-commerce, and mobile payment acceptance. He has nearly two decades of experience in credit card processing as a journalist and consultant. Phillip is the creator of this website and has written over 1,500 articles covering numerous payment acceptance topics. He has also published critical reviews about most merchant services providers currently in operation.

Expert Guidance

Phillip has consulted businesses of all sizes from mom-and-pop shops processing $10K per month to enterprise level organizations processing in excess of $300MM annually. His specialties include:

– Merchant Account Statement Auditing

– Rate & Fee Negotiation

– Processor & POS Selection

– Software Integrations

– Risk Assessment

– Fraud Prevention

– General Processing Advice

Schedule a Consultation Here

Phillip’s Top Picks

Phillip has researched and reviewed over 1,000 merchant services providers over the last 15 years. He also owns multiple businesses that accept credit card payments. If you are looking for an ethical credit card processor that doesn’t hide fees or lock you into expensive contracts, see Phillip’s merchant account picks here.

In The Media

In addition his contributions on CPO, Phillip has also been quoted in several major publications such as The Los Angeles Times, INC Magazine, Miami Herald, Computer World, and numerous others. If you would like to interview Phillip for your story or podcast, please reach out here.

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