Card-Present Transaction Risk Control Requirements

Card-present transactions are less risky than card-not-present transactions because the customer is present. This reduced risk results in lower transaction fees for card-present transactions. Although the risks are lower, risk-control are still required for card-present transactions.

The acquirer is responsible for monitoring transaction risk and for managing fraud and disputes in keeping with payment network rules, including Global Acquirer Risk Standards. Monitoring and management activities also must comply with these Visa risk compliance programs:

Visa Fraud Monitoring Program
Visa Dispute Monitoring Program

To comply with risk control requirements, the acquirer must use one of these options:

Enable
Cybersource
transaction and fraud monitoring tools.
Ensure that its payment technology providers (PTPs) implement transaction and fraud monitoring tools.
Deploy its own transaction and fraud monitoring tools.

Each of these approaches provide fraud and risk controls for direct merchant relationships and payment technology providers with no transaction or fraud monitoring tools.

For more information, see Fraud and Risk Management Solutions.