Card-Not-Present Transactions

When a customer provides a card number, but you do not have access to the physical card, the purchase is known as a

card-not-present transaction

. This type of transaction typically occurs over the internet or through a call center. To process card-not-present transactions, use the credit card services described in this guide.

Card-not-present transactions pose an additional level of risk to your business because you cannot directly verify the customer’s identification as you can with card-present transactions. Features such as the Address Verification System (AVS) and Card Verification Numbers (CVNs) are offered in the credit card services. Using these services can reduce risk by verifying the customer’s information and notifying you when discrepancies occur.