- Card-Present Authorizations
- Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
- Card-Present Mobile Point-of-Sale Payment Processing
- PIN Debit Services
- PIN Debit EBT Purchase with SNAP Account Swiped Track Data and Balance Inquiry
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REST API | Visa Platform Connect
Card-Present Transaction Risk Control Requirements
The risk associated with card-present transactions is lower than transactions made when
the card is not present because the customer is present. This reduced risk results in
lower transactions fees for card-present transactions.
Although the risks are lower, there are still risk control requirements for card-present
transactions.
The acquirer is responsible for monitoring transaction risk, as well as 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 take one of these
approaches:
- EnableCybersourcetransaction 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 approach provides 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.