A card-not-present transaction is a card payment made without presenting the physical card to the merchant, such as an online purchase. The physical-card check of a store transaction is absent, allowing stolen details to be misused without possession of the card.[1] CNP describes the context, not a finding of fraud.
Use an appropriate online payment setup and evaluate signals together. A verification code or delivery address alone does not establish the cardholder's identity. Separate the dispatch decision from a simple payment-approval message; approval does not rule out a later dispute.
Content updated:
Sources
Compiled with AI assistance using public sources. General explanation, not individual legal or tax advice. Describing a concept does not mean Zoloo offers it as a feature.