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What is the definition of Card-Not-Present (CNP) transaction?

A Card-Not-Present (CNP) transaction is a retail spend transaction where the cardholder is not physically present at the merchant when the payment is made. The following CNP transactions will require opt-in from cardholders to ensure that the transactions are enabled for continuous usage:


  • Non-3D (non-secured) online transaction

  • Mail order/Telephone order (MOTO)

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