Credit Card Processing

Visa Purchasing Card Not Present


April 18, 2018

Visa’s Purchasing Card-Not-Present is an interchange category. It refers to payments made using a commercial purchasing card when the card is not swiped.

Interchange rate & fee: 2.65% + $0.10

Also known as:

The Commercial Purchasing Card – Card Not Present (or COMM CNP P) is an interchange category that is used to calculate the interchange fee for card-not-present transactions involving a payment made with a commercial purchasing card instead of a consumer credit card. The transaction takes place by phone or mail. This category may also apply if a card is not swiped.

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

  • The card is not present (or not swiped) at the time of purchase
  • The card is used for a non-travel payment
  • The transaction takes place at a US-based merchant with a US acquirer
  • The transaction qualifies for one of the following Visa programs: CPS Card Not Present, CPS E-Commerce Basic or E-Commerce Preferred, CPS Retail/2, or CPS Account Funding
  • Level II data requirements aren’t met (missing data or failed edits)
  • Merchant Category Code (MCC) cannot be a travel service

Typical bundled qualification
Although qualifications for transactions vary, many processors class the Purchasing Card Not Present interchange category as non-qualified for all business types.

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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