Card Not Present
Transaction Optimization
Card Not Present (CNP) transactions, which include online, phone, and mail orders, are essential for modern businesses but carry inherently higher fraud risks and processing costs compared to in-person payments. Our expertise helps you implement advanced security measures like Address Verification System (AVS) and Card Verification Value (CVV), while optimizing data capture to significantly reduce risk and qualify for lower CNP interchange rates, protecting your profits in the digital realm.
The Dual Challenge of CNP Transactions: Risk and Cost
In an increasingly digital economy, Card Not Present (CNP) transactions are vital for reaching a broader customer base. However, without the physical presence of the card or cardholder, these transactions are more susceptible to fraud, leading to higher interchange fees from card networks. Merchants often face increased chargeback rates and are charged higher "non-qualified" rates if they don't capture and transmit specific data points. Understanding and mitigating these risks and costs is crucial for the profitability of any business relying on online or remote sales.
How Our Analysis Optimizes Your CNP Processing
Our specialized merchant statement analysis focuses on the unique aspects of CNP transactions. We meticulously dissect your statements and processing setup to identify:
Identify CNP
Interchange
Rates
Pinpointing where you might be paying elevated fees due to insufficient data capture or improper processing.
Data Field
Optimization
Ensuring your payment gateway or virtual terminal is configured to transmit all necessary Level 2 and Level 3 data for B2B CNP transactions.
Billing
Descriptor
Compliance
Confirming proper billing descriptors to avoid downgrades.
Tangible Benefits for Your CNP Operations
We provide actionable strategies to secure your CNP transactions and reduce associated costs.
Stop losing money to high CNP processing fees and fraud. Contact us today to schedule your merchant statement analysis. Let us help you optimize your Card Not Present transactions for greater security and profitability.