Card Present Definition

Merchant Account Card Present Explained:

What is Card Present? “Card-Present” is a term in the credit card processing industry that refers to transactions in which the credit card is swiped through a card reading device at the same physical location as the merchant. Card-present transactions are considered as “face-to-face” where a card’s magnetic strip can be scanned and the customer can sign the receipt.

Card-present transactions have a reduced risk for fraud because fake credit cards are difficult to produce and merchants have a duty to verify that the person using the card is the actual cardholder. Card-present transactions run at a lower processing rate than card-not-present transactions.

Card-present Video Explanation

I'm a small business owner, former credit card processing sales director, author of this post and creator of this website. I've seen the merchant account industry from both sides of the table and built this website to, hopefully, make your life easier when it comes to accepting credit cards. I review every service provider I can find and track the best merchant accounts as well the worst merchant accounts. I also built the free tool below to find hidden credit card processing fees and overcharges in your merchant account statement. Try it out and contact me to let me know what you think! Thank you for reading my article!

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