Card-Not-Present Transaction

A Card-Not-Present (CNP) Transaction is a payment card purchase made remotely where the physical card is not presented to the merchant at the point of sale, typically occurring in e-commerce, mail-order, or telephone-order environments. CNP transactions rely on the cardholder providing their payment details, such as the card number, expiration date, and security code, to the merchant or payment gateway, which inherently introduces a higher risk of fraud compared to card-present transactions.