CNP (Card Not Present)

CNP, or Card Not Present, refers to a type of payment card transaction where the physical card is not shown to the merchant at the time of the transaction. This situation typically occurs in environments where the merchant and the customer do not interact face-to-face, such as in online purchases, mobile payments, and Mail Order/Telephone Order (MOTO) transactions.

Due to the card not being physically presented, CNP transactions generally carry a higher risk of fraud compared to card-present transactions, where the card and the cardholder are both physically verified. To mitigate these risks, additional security measures are often implemented, such as requesting the CVV (Card Verification Value), using advanced fraud detection tools, and employing secure payment gateways that comply with the Payment Card Industry Data Security Standard (PCI DSS).

CNP transactions are a fundamental aspect of modern e-commerce and have become increasingly prevalent with the growth of online shopping and digital payment technologies. Businesses conducting CNP transactions must ensure robust security protocols are in place to protect both their interests and those of their customers from potential fraud and unauthorized activities.