Card-Present Transaction Risk Control Requirements

Card-present transactions carry lower risk than card-not-present transactions because the customer and payment card are physically present, which can result in lower transaction fees. However, acquirers must still apply standard risk-control measures. Acquirers must monitor transaction activity and manage fraud and disputes in accordance with payment network rules, including the Global Acquirer Risk Standards. They also must comply with these Visa risk compliance programs:

Visa Fraud Monitoring Program
Visa Dispute Monitoring Program

To meet risk control requirements, acquirers can use one of these options:

Each option provides necessary fraud and risk controls for direct merchant relationships and for PTPs that do not operate their own monitoring solutions.

For more information, see Fraud and Risk Management Solutions.