Uploaded June 2026 | Updated September 2026, 1 week ago
Most people think card payments cost the same whether they’re made in person or remotely — but that’s not the case.
In this video, we explain what a card-not-present (CNP) transaction is, why it costs more to process, and the risks involved with accepting payments when neither the card nor the cardholder is physically present. You’ll learn common examples of CNP transactions, from online purchases and phone orders to recurring payments and invoices, and why interchange fees are higher for these types of sales.
We also break down how to prevent card-not-present fraud with tools like CVV checks, address verification, 3D Secure authentication, and buyer acknowledgment forms. Plus, we share five easy ways to accept and process CNP transactions securely with Square — including Virtual Terminal, Payment Links, saved cards on file, invoices, and eCommerce integrations — so you can protect your business while keeping customers happy.
Read more about CNP transactions and payment security ➡️ squareup.com/us/en/the-bottom-line/managing-your-finances/what-is-a-card-not-present-transaction
#cardnotpresent #CNPtransactions #paymentprocessing #onlinepayments #remotetransactions #fraudprevention #securepayments #smallbusiness #cardpayments #cardnotpresentfraud
0:00 Intro
0:15 What Counts as "Card Not Present" or CNP?
0:43 Card Not Present Cost
1:24 Types of CNP Sales
2:04 Tips to Reduce Risk and Disputes
2:31 How This Affects Your Business
Connect with us ⤵️
Subscribe: youtube.com/square
Instagram: instagram.com/square
TikTok: tiktok.com/@square
X: https://x.com/square
Reddit: reddit.com/r/SquareOfficial
Web: squareup.com
Most people think card payments cost the same whether they’re made in person or remotely — but that’s not the case.
In this video, we explain what a card-not-present (CNP) transaction is, why it costs more to process, and the risks involved with accepting payments when neither the card nor the cardholder is physically present. You’ll learn common examples of CNP transactions, from online purchases and phone orders to recurring payments and invoices, and why interchange fees are higher for these types of sales.
We also break down how to prevent card-not-present fraud with tools like CVV checks, address verification, 3D Secure authentication, and buyer acknowledgment forms. Plus, we share five easy ways to accept and process CNP transactions securely with Square — including Virtual Terminal, Payment Links, saved cards on file, invoices, and eCommerce integrations — so you can protect your business while keeping customers happy.
Read more about CNP transactions and payment security ➡️ squareup.com/us/en/the-bottom-line/managing-your-finances/what-is-a-card-not-present-transaction
#cardnotpresent #CNPtransactions #paymentprocessing #onlinepayments #remotetransactions #fraudprevention #securepayments #smallbusiness #cardpayments #cardnotpresentfraud
0:00 Intro
0:15 What Counts as "Card Not Present" or CNP?
0:43 Card Not Present Cost
1:24 Types of CNP Sales
2:04 Tips to Reduce Risk and Disputes
2:31 How This Affects Your Business
Connect with us ⤵️
Subscribe: youtube.com/square
Instagram: instagram.com/square
TikTok: tiktok.com/@square
X: https://x.com/square
Reddit: reddit.com/r/SquareOfficial
Web: squareup.com
