What is a card-not-present transaction? Online and phone card payments
By SendPay Business · · 2 min read
- 1Your card appears in your app
- 2Tap it to pay in a shop
- 3See every payment as it happens
A card-not-present, or CNP, transaction is any card payment where the physical card is not shown to the business at the time of payment. Online shopping, in-app payments and phone orders are all card-not-present.
Card present vs card not present
In a card-present payment, the card is tapped, inserted or swiped, and the chip or phone proves it is real. In a card-not-present payment, the business only receives the card details, so it cannot check the card itself.
Why fraud is higher
Stolen card details can be used online without the physical card, so most card fraud today happens in card-not-present payments. Chargeback liability also often sits with the business rather than the card issuer.
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Questions people ask
Virtual terminal or payment links: which costs less?
Compare the monthly cost of each.
Virtual terminal cost calculator →What does a chargeback really cost?
Weigh refunding, accepting or fighting a dispute.
Chargeback cost calculator →Read next
Spotted a mistake or something out of date? and we'll fix it. How our guides are made
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.