Card Not Present (CNP)

A payment transaction made with a card, where the shopper cannot physically present the card to the merchant at the time of the transaction. Examples of CNP transactions include online payments, in-app payments, and MOTO transactions.

CNP transactions are a common target for card fraud, because it is difficult for the merchant to verify that it is the actual cardholder making the purchase. To reduce the risk of card fraud arising from CNP, use 3D Secure and AVS features.