Businesses that primarily process credit card transactions where the customer is not present have unique challenges. One of these is minimizing payment processing fraud risks. Many of the advancements in card present payment processing security – like EMV or chip cards – doesn’t help the merchant that takes a payment over the phone or through their software. The card doesn’t have to be cloned, one needs only the card number, expiration date, and CVV code. Other unique needs arise for card not present merchants – like storing cardholder information securely, passing on important payment data, and large transaction controls. As a result, CNP businesses require a bit more expertise than traditional storefront merchants. That’s our jam.