Credit Card Processing

Visa CPS/Card Not Present

by Ben Dwyer

Visa’s CPS Card Not Present interchange category determines the interchange fee for card-not-present transactions made with a traditional consumer credit card by mail or over the phone.

Interchange rate & fee: 1.80% + $0.10

Also known as:
CPS CRD NP

The CPS Card Not Present interchange category that is used to calculate the interchange fee for card-not-present transactions involving a payment made with a traditional consumer credit card (instead of rewards, business or government cards) taken by mail or over the phone.

Qualification criteria
The CPS Card Not Present interchange category will apply under the following conditions:

  • The card is not present (at the business) at the time of purchase
  • The payment is made by mail or phone
  • Address Verification Service (AVS) is used when authorizing and settling the transaction (except in the case of bill payments and transactions in healthcare, developing markets, and utility merchant category codes.)
  • Authorization amount must match the settlement amount
  • The transaction must be settled within 48 hours and include the following information at settlement:
    • The ship date, if goods will be mailed (must be within 7 days of the original authorization)
    • A customer service phone number, email, or URL
    • The order number (purchase ID or invoice number)
    • A mail/phone order indicator

Ineligible Merchant Category Codes (MCC’s)

The CPS Card Not Present interchange category does not apply to the following MCC’s:

  • 5962 (Direct Marketing – Travel)
  • 5966 (Direct Marketing – Outbound)
  • 5967 (Direct Marketing – Inbound)

Typical bundled qualification
Although qualifications for transactions vary, many processors class the CPS Card Not Present interchange category as follows:

For card-present businesses: Mid-qualified rate
For card-not-present businesses: Qualified rate

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Ben Dwyer

BY Ben Dwyer

Ben Dwyer began his career in the processing industry in 2003 on the sales floor for a Connecticut‐based processor. As he learned more about the inner‐workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing. As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. Ben believes in empowering businesses by providing access to fair, competitive pricing, accurate information, and continued support. His dedication to transparency and education has made CardFellow a staunch small business advocate in the credit card processing industry.

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