Types of Transactions
Card-Not-Present Transactions
When a customer provides a card number but you do not have access to the physical card, the purchase is known as a card-not-present transaction. This type of transaction typically occurs over the Internet or through a call center. To process card-not-present transactions, use the credit card services described in this guide.
Card-not-present transactions pose an additional level of risk to your business because you cannot directly verify the customer’s identification. CyberSource offers features, such as Address Verification System (AVS) and Card Verification Numbers (CVN), in the credit card services that can reduce that risk by checking the validity of the customer’s information and notifying you when discrepancies occur.
Card-Present Transactions
When a customer uses a card that is physically present to make a purchase, the purchase is known as a card-present transaction. This type of transaction typically occurs in a retail point-of-sale (POS) environment. To process card-present transactions:
■
Use the credit card services described in this guide.
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Provide retail data as described in the
Retail Transactions Supplement
.
Transactions with Special Data
The credit card services can process these types of special data:
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Level II and Level III data: See the
Level II and Level III Transactions Supplement
.
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Retail data: See
Retail Transactions Supplement
.