{"id":10350,"date":"2025-08-06T17:36:03","date_gmt":"2025-08-06T15:36:03","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/card-not-present-cnp\/"},"modified":"2026-01-20T16:54:31","modified_gmt":"2026-01-20T15:54:31","slug":"card-not-present-cnp","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/","title":{"rendered":"Card Not Present (CNP)"},"content":{"rendered":"<h2 data-start=\"210\" data-end=\"254\"><span class=\"ez-toc-section\" id=\"What_does_Card_Not_Present_CNP_mean\"><\/span>What does Card Not Present (CNP) mean?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"255\" data-end=\"379\"><strong>Card Not Present (CNP)<\/strong> refers to payment transactions where <strong>the cardholder is not physically present<\/strong> at the point of sale.<\/p>\n<p data-start=\"381\" data-end=\"520\">In CNP transactions, the card cannot be swiped, inserted, or tapped physically, so verification relies on the data provided by the buyer.<\/p>\n<h2 data-start=\"522\" data-end=\"563\"><span class=\"ez-toc-section\" id=\"Characteristics_of_CNP_transactions\"><\/span>Characteristics of CNP transactions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"564\" data-end=\"920\">\n<li data-start=\"564\" data-end=\"668\">\n<p data-start=\"566\" data-end=\"668\">The merchant <strong>does not have physical access<\/strong> to the card or the cardholder during the payment process.<\/p>\n<\/li>\n<li data-start=\"669\" data-end=\"781\">\n<p data-start=\"671\" data-end=\"781\"><a href=\"https:\/\/paynopain.com\/en\/glossary\/authentication\/\">Authentication<\/a> is based on information provided by the cardholder (card number, expiration date, CVV, etc.).<\/p>\n<\/li>\n<li data-start=\"782\" data-end=\"920\">\n<p data-start=\"784\" data-end=\"920\">It is common to use <strong>additional security measures<\/strong> such as strong customer authentication (SCA), 3D Secure, or other anti-fraud systems.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"922\" data-end=\"962\">When does a CNP transaction occur?<\/h3>\n<p data-start=\"963\" data-end=\"1111\">A transaction is considered card not present when the cardholder is not physically present when making the payment. The most common cases include:<\/p>\n<ul data-start=\"1113\" data-end=\"1813\">\n<li data-start=\"1113\" data-end=\"1260\">\n<p data-start=\"1115\" data-end=\"1260\"><strong data-start=\"1115\" data-end=\"1136\">Online purchases:<\/strong> the customer enters card and billing information on a website or <a href=\"https:\/\/paynopain.com\/en\/solution\/pay-by-link\/\">payment link<\/a>, choosing home delivery or in-store pickup.<\/p>\n<\/li>\n<li data-start=\"1261\" data-end=\"1379\">\n<p data-start=\"1263\" data-end=\"1379\"><strong data-start=\"1263\" data-end=\"1280\">Phone orders:<\/strong> the customer provides card and billing details to a sales representative to process the payment.<\/p>\n<\/li>\n<li data-start=\"1380\" data-end=\"1495\">\n<p data-start=\"1382\" data-end=\"1495\"><strong data-start=\"1382\" data-end=\"1414\">Payments with a stored card:<\/strong> previously saved and authorized payment methods are used for future purchases.<\/p>\n<\/li>\n<li data-start=\"1496\" data-end=\"1606\">\n<p data-start=\"1498\" data-end=\"1606\"><strong data-start=\"1498\" data-end=\"1514\">Mail orders:<\/strong> the customer sends a physical form with billing details to purchase products or services.<\/p>\n<\/li>\n<li data-start=\"1607\" data-end=\"1722\">\n<p data-start=\"1609\" data-end=\"1722\"><strong data-start=\"1609\" data-end=\"1649\">Recurring payments or <a href=\"https:\/\/paynopain.com\/en\/solution\/recurring-payments-platform\/\">subscriptions<\/a>:<\/strong> automatic payments at regular intervals using stored card information.<\/p>\n<\/li>\n<li data-start=\"1723\" data-end=\"1813\">\n<p data-start=\"1725\" data-end=\"1813\"><strong data-start=\"1725\" data-end=\"1750\">Online bill payments:<\/strong> the customer pays a bill through an <a href=\"https:\/\/paynopain.com\/en\/\">online payment platform<\/a>.<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is a CNP or card-not-present transaction?<br \/>\nA CNP (Card Not Present) transaction occurs when neither the cardholder nor the physical card is present at the time of the transaction.<\/p>\n","protected":false},"featured_media":8436,"template":"","meta":{"_acf_changed":false},"class_list":["post-10350","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Card Not Present (CNP) - PaynoPain<\/title>\n<meta name=\"description\" content=\"Discover the meaning of \u2018Card Not Present\u2019 transactions in payments, where the purchase is made without the physical card being present.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Card Not Present (CNP) - PaynoPain\" \/>\n<meta property=\"og:description\" content=\"Discover the meaning of \u2018Card Not Present\u2019 transactions in payments, where the purchase is made without the physical card being present.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/\" \/>\n<meta property=\"og:site_name\" content=\"PaynoPain\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-20T15:54:31+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/glossary\\\/card-not-present-cnp\\\/\",\"url\":\"https:\\\/\\\/paynopain.com\\\/en\\\/glossary\\\/card-not-present-cnp\\\/\",\"name\":\"Card Not Present (CNP) - PaynoPain\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/glossary\\\/card-not-present-cnp\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/glossary\\\/card-not-present-cnp\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/paynopain.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/47.svg\",\"datePublished\":\"2025-08-06T15:36:03+00:00\",\"dateModified\":\"2026-01-20T15:54:31+00:00\",\"description\":\"Discover the meaning of \u2018Card Not Present\u2019 transactions in payments, where the purchase is made without the physical card being present.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/glossary\\\/card-not-present-cnp\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/paynopain.com\\\/en\\\/glossary\\\/card-not-present-cnp\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/glossary\\\/card-not-present-cnp\\\/#primaryimage\",\"url\":\"https:\\\/\\\/paynopain.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/47.svg\",\"contentUrl\":\"https:\\\/\\\/paynopain.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/47.svg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/glossary\\\/card-not-present-cnp\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/paynopain.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Card Not Present (CNP)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/paynopain.com\\\/en\\\/\",\"name\":\"PaynoPain\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/paynopain.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Card Not Present (CNP) - PaynoPain","description":"Discover the meaning of \u2018Card Not Present\u2019 transactions in payments, where the purchase is made without the physical card being present.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/","og_locale":"en_US","og_type":"article","og_title":"Card Not Present (CNP) - PaynoPain","og_description":"Discover the meaning of \u2018Card Not Present\u2019 transactions in payments, where the purchase is made without the physical card being present.","og_url":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/","og_site_name":"PaynoPain","article_modified_time":"2026-01-20T15:54:31+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/","url":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/","name":"Card Not Present (CNP) - PaynoPain","isPartOf":{"@id":"https:\/\/paynopain.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/#primaryimage"},"image":{"@id":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/#primaryimage"},"thumbnailUrl":"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/47.svg","datePublished":"2025-08-06T15:36:03+00:00","dateModified":"2026-01-20T15:54:31+00:00","description":"Discover the meaning of \u2018Card Not Present\u2019 transactions in payments, where the purchase is made without the physical card being present.","breadcrumb":{"@id":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/#primaryimage","url":"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/47.svg","contentUrl":"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/47.svg"},{"@type":"BreadcrumbList","@id":"https:\/\/paynopain.com\/en\/glossary\/card-not-present-cnp\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/paynopain.com\/en\/"},{"@type":"ListItem","position":2,"name":"Card Not Present (CNP)"}]},{"@type":"WebSite","@id":"https:\/\/paynopain.com\/en\/#website","url":"https:\/\/paynopain.com\/en\/","name":"PaynoPain","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/paynopain.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/glosario\/10350","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/glosario"}],"about":[{"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/types\/glosario"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/media\/8436"}],"wp:attachment":[{"href":"https:\/\/paynopain.com\/en\/wp-json\/wp\/v2\/media?parent=10350"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}