Introduction to Card Present Transactions

A transaction is considered a “card present” if payment details are captured in person at the time of the sale. In these transactions, cards are physically swiped, tapped, or dipped through a reader, or an EMV chip is processed. These transactions are considered more secure than card-not-present transactions since a merchant can view the buyer, the card, and its signature.

The following are some of the benefits of card-present transactions:

  • Reduces risks and costs per transaction.

  • Better security during transactions for both businesses and consumers as the card doesn’t leave the customer’s hand

  • Less fraud

  • Better Liability during transactions

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