{"id":10347,"date":"2025-08-06T17:36:18","date_gmt":"2025-08-06T15:36:18","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/card-present-cp\/"},"modified":"2026-01-20T16:43:35","modified_gmt":"2026-01-20T15:43:35","slug":"card-present-cp","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/en\/glossary\/card-present-cp\/","title":{"rendered":"Card Present (CP)"},"content":{"rendered":"<h2 data-start=\"237\" data-end=\"277\"><span class=\"ez-toc-section\" id=\"What_does_Card_Present_CP_mean\"><\/span>What does Card Present (CP) mean?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"278\" data-end=\"428\"><strong>Card Present (CP)<\/strong> refers to payment transactions in which <strong>the cardholder is physically present<\/strong> at the point of sale when completing the transaction.<\/p>\n<h2 data-start=\"430\" data-end=\"471\"><span class=\"ez-toc-section\" id=\"Characteristics_of_CP_transactions\"><\/span>Characteristics of CP transactions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"472\" data-end=\"888\">\n<li data-start=\"472\" data-end=\"586\">\n<p data-start=\"474\" data-end=\"586\">The card is inserted into a <strong data-start=\"502\" data-end=\"518\">physical POS<\/strong>, swiped via its <strong>magnetic stripe<\/strong>, or tapped on an <strong>NFC<\/strong> card reader.<\/p>\n<\/li>\n<li data-start=\"587\" data-end=\"743\">\n<p data-start=\"589\" data-end=\"743\">Authentication is performed through <strong>physical or electronic<\/strong> methods, such as PIN, EMV chip, or contactless, depending on the transaction type and amount.<\/p>\n<\/li>\n<li data-start=\"744\" data-end=\"888\">\n<p data-start=\"746\" data-end=\"888\">The risk of fraud is generally lower than in Card Not Present (<a href=\"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/\">CNP<\/a>) transactions because the card and cardholder can be physically verified.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"890\" data-end=\"930\"><span class=\"ez-toc-section\" id=\"When_does_a_CP_transaction_occur\"><\/span>When does a CP transaction occur?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"931\" data-end=\"1071\">A transaction is considered <strong data-start=\"959\" data-end=\"975\">Card Present<\/strong> when the cardholder <strong>is physically present<\/strong> when making the payment. The most common cases are:<\/p>\n<ul data-start=\"1072\" data-end=\"1303\">\n<li data-start=\"1072\" data-end=\"1132\">\n<p data-start=\"1074\" data-end=\"1132\">Payments in <strong>physical stores<\/strong> using credit or debit cards.<\/p>\n<\/li>\n<li data-start=\"1133\" data-end=\"1226\">\n<p data-start=\"1135\" data-end=\"1226\">Purchases with <strong><a href=\"https:\/\/paynopain.com\/en\/glossary\/contactless\/\">contactless<\/a> (NFC) cards<\/strong> in supermarkets, restaurants, or public transport.<\/p>\n<\/li>\n<li data-start=\"1227\" data-end=\"1303\">\n<p data-start=\"1229\" data-end=\"1303\">Payments with a <strong data-start=\"1245\" data-end=\"1261\">physical POS<\/strong> at stores and in-person points of sale.<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is a CP or card-present transaction?<br \/>\nA card-present transaction means that a payment has been made using a physical card, and the payment details are captured in person at the moment of the sale.<\/p>\n","protected":false},"featured_media":8501,"template":"","meta":{"_acf_changed":false},"class_list":["post-10347","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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