Visa CNP payment acceptance

Take these steps to accept Visa CNP payments:

1. Obtain an authorization.
2. Verify the card’s legitimacy:
• Ask the customer for the card expiration date, and include it in your authorization request. An invalid or missing expiration date might indicate that the customer does not have the actual card in hand.
• Use fraud prevention tools such as Visa’s Address Verification Service (AVS), Card Verification Value 2 (CVV2), and Verified by Visa.
• Learn more about Card-Not-Present fraud prevention tools.
• Learn more about Card-Not-Present fraud detection.
3. Look for general warning signs of fraud (listed below).
4. If you receive an authorization, but still suspect fraud:
• Ask for additional information during the transaction (e.g., request the financial institution name on the front of the card).
• Contact the cardholder with any questions.
• Confirm the order separately by sending a note via the customer's billing address rather than the “ship to” address.

To report suspicious activity, contact your merchant financial institution.