SpectrumPayment Solutions
All terms
Payment MethodsAlso: CNP

Card-Not-Present

A transaction where the card is not physically presented — online, over the phone, or in-app. CNP sales carry higher fraud and chargeback risk than in-person sales, which is why they rely on fraud tools like CVV, AVS, and 3-D Secure.

Most high-risk commerce is card-not-present, so mastering CNP fraud controls and clear descriptors is central to keeping an account healthy.

Go deeper

Related terms

Payment Methods

Card-Present

A transaction where the card is physically read at a terminal by chip, tap, or swipe. Card-present sales generally carry lower fraud risk and interchange than online sales because the card and cardholder are verified in person.

Read
Security & Compliance

3-D Secure

An authentication layer that asks the cardholder to verify identity with their bank during checkout, shifting liability for certain fraud away from the merchant. It can reduce fraud and chargebacks when applied where it makes sense.

Read
Security & Compliance

Address Verification Service

A check that compares the billing address entered at checkout with the one on file at the cardholder's bank. AVS is a simple, widely used fraud signal for card-not-present transactions, often combined with other checks.

Read
Security & Compliance

Card Verification Value

The short security code printed on a card that proves the buyer physically has it during a card-not-present sale. Requiring CVV is a basic, effective fraud check, and the code must never be stored after authorization.

Read

Ready to get approved?

Tell us about your business. A high-risk specialist will map the fastest path to live payments.

Start my applicationapply@spectrumepay.com