Customer not present

Customer not present

A customer not present transaction, in the context of credit and debit cards, refers to a transaction conducted at a distance, for example over the telephone or internet. The customer's card number is keyed manually into the sales terminal, and no verification by signature or by PIN is possible. Many credit card service providers charge a slightly higher percentage fee on CNP transactions, due to the increased risk of credit card fraud.

While the terms customer not present (CNP) and card not present (CNP) are used interchangably the correct and more accurate term is cardholder not present (CNP).


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