<P> A card not present transaction (CNP, MO / TO, Mail Order / Telephone Order, MOTOEC) is a payment card transaction made where the cardholder does not or cannot physically present the card for a merchant's visual examination at the time that an order is given and payment effected . It's most commonly used for payments made over Internet, but also mail - order transactions by mail or fax, or over the telephone . </P> <P> Card not present transactions are a major route for credit card fraud, because it is difficult for a merchant to verify that the actual cardholder is indeed authorizing a purchase . </P>

What does card not present on pending transactions mean
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