A Complete Guide To Card Not Present!

 Card Not Present (CNP) is an increasingly popular way of accepting payments from customers when they are not present. It is used for e-commerce transactions, one-time orders, recurring payments, and more! CNP transactions provide merchants with a secure, convenient way to process payments without the need for physical cards.


More and more businesses are turning to CNP processing because it eliminates the need for customers to enter their credit card information into a terminal. This makes it much easier and faster for customers to complete purchases online or over the phone, making them more likely to return again in the future.


The process of accepting Card Not Present payments is relatively simple. It involves a few steps:


1. Verify the customer’s identity. This is usually done by asking for a name, address, and phone number.


2. Obtain payment information from the customer. This could be their credit card number and expiration date, or a one-time code that has been provided to them via email or text.


3. Submit the payment information to the merchant’s processor. This usually involves a secure connection that encrypts the customer’s data before it is transmitted over the internet.


4. Process the payment and transfer funds from the customer’s account to the merchant’s account.


CNP processing is convenient and secure, but there are some important things to keep in mind when accepting Card Not Present payments. It is important to verify the customer’s identity to protect against fraud, and you should always make sure that your processor is compliant with the Payment Card Industry Data Security Standard (PCI DSS) for added security.


You should also be aware of the additional fees associated with Card Not Present processing, as these may vary depending on the processor you use and your business’s volume of sales.


Overall, CNP processing is a great way to make it easy for customers to complete purchases without having to enter their credit card information into a terminal. By following the steps outlined above, you can ensure that your business is processing Card Not Present payments securely and efficiently.

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