CNP Fraud

"the biggest competitor you didn’t know you had"
PwC Global Economic Crime and Fraud Survey 2018

"Debit and Credit payment card fraud has risen 45% in the last 5 years, equivalent to £175 million."

Source: UK Finance


What is card not present?

A remote purchase card-not-present (CNP) transaction is one where the cardholder and the card are not present at the point-of-sale.

How does it effect my business or contact centre?

Because the card and cardholder are not present, you are unable to physically check the card or the identity of the cardholder. You therefore need to be particularly careful about CNP transactions, because it is much easier for the fraudster to disguise their true identity.

Merchants need to be mindful that a standard 'authorisation' from their payment service provider does not guarantee against fraud related chargebacks. The merchant is responsible for ensuring that CNP transactions are not fraudulent. If a transaction is fraudulent, they will be liable for the loss.


What procedures have you got in place to protect your business against fraud?

How can I protect my business?

"Using technology to devalue the data To get risk off the table."

- Stephen Orfei. GM PCI Standards Security Council.
Nov 2015

SOTpay is unique patent protected software designed to protect both the consumer and the business by securing MOTO (mail order/telephone order) and CNP (card not present) transaction payments.
It supports PCI DSS compliance by removing all sensitive card data from your merchant environment, whilst facilitating additional authentication methods in the CNP MOTO channel, which shifts the liability for fraud back to the issuers and consequently eliminates fraud related chargebacks.