Manual card entry is the process of keying in a customer’s credit card information—card number, expiration date, and CVC code—by hand into a payment terminal or app. This is considered a Card-Not-Present (CNP) transaction, even if the customer is physically there, because the card itself is not electronically read by the device.
Frequently Asked Questions (FAQs)
- When would I use manual card entry?
You might use it if a customer’s card chip is broken, their contactless feature isn’t working, or if you are taking a payment over the phone. - Why are the fees higher for manual entry?
Payment processors charge higher fees for manually entered transactions because the risk of fraud is significantly higher. Since the card isn’t physically present to be verified by security features like the chip, there’s a greater chance it could be a stolen card number. - Is it safe to manually enter card details into Charge for Stripe?
Yes. The app securely encrypts the information before sending it to Stripe for processing. No card information is ever stored on your phone. However, you should always take care to protect the customer’s information while entering it.
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