Operating Instructions

Print MOI section

Merchant Operating Instructions: Card not Present Transactions

Card not present (CNP) transactions are those where the card and cardholder are not with you at the point of sale. Offering your customers this option gives you and them extra flexibility, but it’s important to understand that you will need a supplementary agreement with us to process these transactions.

• Mail Order Telephone Order Transactions
• eCommerce Transactions

• Can I accept CNP transactions?
• Authorisation

• Can I accept CNP transactions? 
• Before deciding to accept CNP transactions you should consider all risks to your business, because you will be financially liable if a transaction is confirmed as invalid or fraudulent.
   
  You can only accept CNP transactions if the CNP section of your Contract has been completed. If it has not, and you would like to make CNP sales, please contact our Helpdesk.
   
  Having a CNP Contract with us does not allow you to accept card payments over the Internet. To do this, you need to have a supplementary eCommerce agreement with us and a separate Internet payment facility. To find out more, please read about eCommerce sales.

Back to top

• Authorisation 
• All CNP transactions must be authorised. Most authorisations will be processed automatically by your terminal but occasionally you may be asked to call for authorisation.
  
  Authorisation is no guarantee of payment – the fact that a transaction has been authorised and a code provided by the card issuer does not guarantee payment. Authorisation simply means that the card has not been reported lost or stolen and there are sufficient funds available at the time of the transaction. Authorisation cannot always validate the address you have been given and therefore you should consider undertaking additional checks as appropriate.
  
  The authorisation number for CNP transactions is 0845 7 600 530.
   
  Find out more about Authorisation and Referrals.

Back to top