At‑a‑Glance: Card‑not‑present (CNP) payments power ecommerce, phone orders, invoices, and subscriptions—but they carry higher fraud risk. Balance security with convenience using layered controls and clear processes.
CNP Risks & Realities
- Higher fraud and chargeback exposure than in‑person.
- Data quality drives interchange cost and approval rates.
Security Layers That Matter
- AVS/CVV verification on all keyed or online sales.
- 3‑D Secure options for step‑up authentication.
- Tokenization to store cards safely for repeat billing.
- Velocity rules to flag unusual baskets or repeated declines.
Workflows to Standardize
- Phone orders: collect billing address, email, and callback number.
- Invoicing: clear line items, due dates, and refund/return policy links.
- Subscriptions: dunning settings and card‑updater services.
Dispute Readiness
- Keep proof of delivery/pickup and communications.
- Use descriptors customers recognize.
- Respond to chargebacks on time with the right evidence.
MPG CNP Suite
- Hosted pay pages, virtual terminal, and invoice links.
- Recurring billing with tokenization and updater services.
- US‑based support for fraud settings and dispute coaching.
FAQ
Can I accept ACH for invoices? Yes—lower cost and fewer card disputes.