Understanding Cardholder Not Present (CNP)

Article by Megan Grosso

Have you ever taken a payment on your terminal before with a customer on the phone, and clicked CNP? This means the cardholder was not there at the time of the payment, but more importantly, without the customer there, you’re now liable for the transaction.

Card payments are always protected with face-to-face transactions but not when they’re not in store.

So what’s the solution?

If you are unable to have the customer do the payment in person, you may want to think about a virtual terminal. These use online checks to make sure the customer is present, so the transaction is secure for both the customer & you as a business.

To find out more about Virtual Terminals, click here (hyperlink to VT page)

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