The Payments Glossary | Card-Not-Present (CNP) | Finix

Card-Not-Present (CNP)

A transaction type where the physical card is not present during payment that Finix supports. Predominantly used in e-commerce, subscription billing, and mobile commerce, CNP transactions are authenticated through cardholder details like CVV, billing address, and 3D Secure protocols, mitigating fraud risks while enabling global reach for merchants.