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Glossary

Card Not Present

Transactions where the card is not physically presented (e.g., online or in-app).

E-Commerce

Card-not-present (CNP) transactions occur when the card isn’t physically read—online, in-app, mail/phone orders. Fraud risk is higher than card-present because the card never touches a terminal.

Mitigations include network tokenization, device-bound wallets (Apple Pay, Google Pay), 3DS/strong customer authentication, and layered fraud detection.

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Related terms

Keep learning with these nearby definitions.

Acquirer
Bank or payment institution that signs merchants and routes their card transactions into the card networks.
Apple Pay
Mobile wallet by Apple that tokenizes cards for contactless and in-app payments.
Card Fraud
Unauthorized card use or theft of credentials to initiate transactions.
Card Network
Payment network (e.g., Visa/Mastercard) that sets rules and routes card transactions between issuers and acquirers.
Card Not Present