Card not present credit card processing

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

Card not present merchant account

(CNP) card not present credit card processing is, as suggested in the title, transactions that happen without the card being physically present when making payment. The four most common types of card not present processing include;

Customers and clients will give the following information to allow the merchant to complete the CNP payment.  This is typically done over the phone or via the internet; Long card number, expiry date, security code and billing address. The acquiring bank will then review this information before authorising the payment and therefore finalising the sale.

Risk involved in card not present payments

Card not present payment processing comes with slightly higher risks compared to accepting face to face payments. The main reason for this is that card not present processing carries increased risk of fraud. This is tends to happen in two different ways;

Credit card fraud – orders being placed using a stolen card or the customers card without consent.

Chargeback fraud – products or the service is received by the customer, however they tell their bank otherwise, meaning they receive a refund. IMPORTANT – we have put together a short guide to help reduce chargebacks.


Finding a merchant account and payment gateway for CNP credit card processing

At Merchant Advice Service we work with a team of UK based experts to aid businesses in accepting card not present payment processing. Our advisors can help both high risk and low risk companies find a suitable merchant account and payment gateway for business needs now and in the future. Speak to us about your requirements today.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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