<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, such as for mail - order transactions by mail or fax, or over the telephone or Internet . </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> <P> If a fraudulent CNP transaction is reported, the acquiring bank hosting the merchant account that received the money from the fraudulent transaction must make restitution; whereas with a swiped (card present) transaction, the issuer of the card is liable for restitution . Because of the greater risk, some card issuers charge a greater transaction fee to merchants who routinely handle card not present transactions . </P>

Your card is not present in the database