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 Credit Card Processing: An Essential Guide

Understanding Card Not Present Transactions In the world of merchant accounts and credit card processing, card not present (CNP) transactions play a significant role. Whether you’re an e-commerce business owner, a mail-order company, or a telephone-based service provider, understanding CNP processing is essential for your success. In this comprehensive guide, we will explore what CNP transactions are, how they work, and why they are crucial in today’s digital landscape. So, let’s dive in!

What Are Card Not Present Transactions?

Card not present transactions refer to situations where a customer provides their credit card information without physically presenting the card for payment. These transactions commonly occur in online shopping, over-the-phone orders, and mail-order businesses. Unlike traditional face-to-face transactions, CNP transactions require additional security measures to protect both merchants and customers from potential fraud.

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How Does Card Not Present Processing Work?

When a customer makes a CNP purchase, the merchant collects the necessary payment information, including the credit card number, expiration date, CVV code, and billing address. The merchant securely transmits this information to their payment processor or payment gateway. The payment processor verifies the card details and facilitates the transfer of funds from the customer’s account to the merchant’s account. To ensure the safety of CNP transactions, various security measures are employed. These include;

Address Verification Service (AVS)

Card Verification Value (CVV) checks

3D Secure authentication

These protocols help authenticate the customer’s identity and reduce the risk of fraudulent activities.

Benefits Of Card Not Present Credit Card Processing

CNP credit card processing offers several advantages for both merchants and customers. Here are some key benefits:

Increased Sales Opportunities: By accepting CNP payments, merchants can expand their customer base beyond the limitations of physical locations. This opens up opportunities for businesses to reach a global audience and increase sales potential. 

Convenience for Customers: Card not present transactions provide customers with the convenience of making purchases from the comfort of their homes or on the go. This flexibility enhances customer satisfaction and encourages repeat business. 

Streamlined Operations: CNP processing allows businesses to automate payment processes, reducing the need for manual data entry. This streamlines operations, saves time, and minimises errors associated with traditional paper-based transactions. 

Reduced Fraud Risk: While CNP transactions do carry a higher risk of fraud compared to face-to-face transactions, employing robust security measures significantly reduces the risk. Payment gateways and processors implement advanced fraud detection tools to protect both merchants and customers from unauthorised activities.

How MAS Can Help You

At Merchant Advice Service (MAS), we understand the complexities of card not present credit card processing and its significance for your business. Our team of experts can guide you through the process, helping you find the right payment solution tailored to your unique needs. Whether you’re starting an e-commerce venture or expanding your existing business, we provide invaluable advice and support. To learn more about how MAS can assist you with card not present credit card processing, visit our relevant page on our website. For more helpful advice and industry insights, don’t forget to explore our blog page!

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Understanding Card Not Present (CNP) transactions is crucial for a variety of businesses, from e-commerce retailers to subscription-based services. These transactions offer increased sales opportunities by allowing businesses to reach a global audience. They also provide convenience for customers, who can make online purchases or manually enter their card details over the phone from the comfort of their homes.

However, CNP transactions come with their own set of challenges, particularly in the area of security. Employing robust measures like Address Verification Service (AVS), Card Verification Value (CVV) checks, and 3D Secure authentication can help mitigate the risk of card not present fraud and fraudulent transactions.

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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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