Card transactions by proxy

Ben Liddicott ben at
Sat Oct 22 20:17:18 BST 2011

Retailers who have a chip & pin machine can generally get 
cardholder-not-present privileges for a small extra fee, once they have 
established themselves (which generally involves building up a credit 
balance with the bank which is held in case of chargebacks).

This enables them to take orders via email or telephone.

Customers of WorldPay and presumably other e-payment services can get 
cardholder-not-present privileges using what is referred to as a "virtual 
terminal", i.e. a web page which performs the same function of the chip & 
pin machine in CNP mode, again at an extra fee.

From: "Roland Perry" <lists at>
Sent: Saturday, October 22, 2011 8:41 AM

> The term used in the industry is "Cardholder not present".
> -- 
> Roland Perry

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