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A card not present transaction (CNP, MO/TO, Mail Order / Telephone Order, MOTOEC) is a payment card transaction made where the cardholder does not or cannot physically present the card for a merchant's visual examination at the time that an order is given and payment effected, such as for mail-order transactions by mail or fax, or over the telephone or Internet.Card not present transactions are a major route for credit card fraud, because it is difficult for a merchant to verify that the actual cardholder is indeed authorizing a purchase.

The hosted pages are used for collecting payment details, so at the moment it's not possible to skip collecting the payment details.Small transactions generally undergo less scrutiny, and are less likely to be investigated by either the card issuer or the merchant.CNP merchants must take extra precaution against fraud exposure and associated losses, and they pay higher rates for the privilege of accepting cards.If a fraudulent CNP transaction is reported, the acquiring bank hosting the merchant account that received the money from the fraudulent transaction must make restitution; whereas with a swiped (card present) transaction, the issuer of the card is liable for restitution.If a card is not physically present when a customer makes a purchase, the merchant must rely on the cardholder, or someone purporting to be so, presenting card information indirectly, whether by mail, telephone or over the Internet.You can search, browse, email members, chat, and get to know people without restriction.