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Term Definition
Card Present (CP)

A card-present (CP) transaction is one that's made with a physical credit or debit card rather than by conveying the card information. Card-present transactions include those made by inserting the card into a payment terminal to scan the EMV chip as well as those made using contactless cards. Due to the added security of these payment methods, card-present transactions don't expose merchants to liability for fraud as much as card-not-present (CNP) transactions do.