Card Not Present

A transaction where the credit card is not physically present. This simple fact means that fraud is a possibility, since you cannot verify the true card holder is the one submitting the transaction! For this reason, ALL card not present merchants pay a higher discount rate for these transactions, even merchants selling low-risk products like T-shirts. And, you will find that not having a signed receipt from your customers, means that a merchant will always have a risk of not being able to win chargeback disputes from their customers.