CNP Definition.

Card Not Present: a transaction in which the card is not physically presented (e-commerce, MOTO, subscriptions). This is where most card fraud is concentrated: the OSMP (France’s payment security observatory, hosted by the Banque de France) measures a fraud rate on remote payments about 20 times higher than for in-person payments, hence the SCA requirement. 3-D Secure combined with tokenization is the market’s standard response.

See also

→ 3-D Secure→ SCA→ MOTO

Where this term appears

GuidePayments in Romania and BulgariaGuidePayments in BrazilGuidePayments in Peru, Bolivia, and EcuadorGuideAgentic payments around the worldGuidePayment fraud by marketGuideA global history of paymentsGuideKYC and KYB around the worldGuideMarketplaces and collecting payments on behalf of third partiesGuideDirect debits and mandates around the worldGuidePublic sector payments around the worldGuideInstant payments around the worldGuideIn-store payments

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