Card-Not-Present payments are the simplest payment transactions to process. They are typically used when the card and cardholder are not at the same location as the merchant. For example, internet, phone, and mail-order purchases are card not-present transactions.

Benefits of Processing Card-Not-Present Payments

  • Simple to implement

Disadvantages of Processing Card-Not-Present Payments

  • Least secure payment method
  • Higher transaction fee rates compared to more secure payment methods