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

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

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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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Phillip Parker