{"id":3338,"date":"2022-09-21T02:14:46","date_gmt":"2022-09-20T16:14:46","guid":{"rendered":"https:\/\/kovena.com\/?p=3338"},"modified":"2022-09-28T03:43:31","modified_gmt":"2022-09-27T17:43:31","slug":"card-present-vs-card-not-present-transactions","status":"publish","type":"post","link":"https:\/\/kovena.com\/pt-br\/blog\/card-present-vs-card-not-present-transactions\/","title":{"rendered":"Card Present (CP) versus Card Not Present (CNP) Transactions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3338\" class=\"elementor elementor-3338\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-385957e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"385957e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae5e135\" data-id=\"ae5e135\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc36472 elementor-widget elementor-widget-text-editor\" data-id=\"cc36472\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.9.0 - 06-12-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">It&#8217;s no secret that the payments industry is rapidly evolving. In fact, gone are the days when customers would simply hand their credit card to a cashier in order to make a purchase. Today, there are a number of different ways for customers to pay for goods and services, including Card Present (CP) and Card Not Present (CNP) transactions. So which type of transaction is best for your hotel? Let&#8217;s take a look.<\/span><\/p><p><i><span style=\"font-weight: 400;\">When guests create a booking for a hotel, they expect a smooth and frictionless experience.\u00a0<\/span><\/i><\/p><h3><b>What is a Card Present (CP) Transaction?<\/b><\/h3><p><span style=\"font-weight: 400;\">Card Present payments refer to transactions where the card is physically present, as opposed to Card Not Present payments where the cardholder is not present (e.g. online bookings).\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">There are several benefits of Card Present payments for hotels:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduces the risk of fraud associated with Card Not Present transactions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Processing fees are sometimes lower due to the lower risk of fraud<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Essentially, CP transactions can help protect both the hotel and guest from fraud at times depending on how the hotelier processes these transactions (e.g. virtual terminal, physical terminal, etc.).<\/span><\/p><h3><b>What is a Card Not Present (CNP) Transaction?<\/b><\/h3><p><span style=\"font-weight: 400;\">A Card Not Present (CNP) transaction is a type of payment that allows the cardholder to create a payment or booking without being physically present.<\/span><\/p><p><span style=\"font-weight: 400;\">Card Not Present transactions can provide a number of benefits:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Streamline the payment process for guests before their initial booking<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce no-shows as guests are required to make a payment to the hotel before being present at the hotel<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ability to automate your payments according to your booking terms and conditions when using Kovena (i.e. 50% Card Not Present payment upon booking and the remainder payment of 50%, one day before check-in)<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Card Not Present transactions have higher processing costs that are passed to the merchant due to the higher chance of fraud and chargebacks affiliated with CNP payments as the guest is not physically present when creating the booking.<\/span><\/p><h3><b>Which type of transaction is better for you &#8211; CP vs. CNP transactions<\/b><\/h3><p><span style=\"font-weight: 400;\">Both Card Present (CP) and Card Not Present (CNP) transactions have their own unique benefits that can be advantageous in different scenarios. With Card Present transactions, it may lower your transaction fees and reduce risk, but you may receive drastically more no-shows and not have a streamlined payment experience when guests check-in.<\/span><\/p><p><b>If you are a Property Management System, Booking Engine, Hotelier, or are in hospitality, please feel free to get in contact with us (<a href=\"https:\/\/share.hsforms.com\/1FhSEBwYXRF2gQ9kMc760Hwbmbkb\">click here<\/a>) to learn more about how Kovena can streamline your payments with CP and CNP transactions.<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>It&#8217;s no secret that the payments industry is rapidly evolving. In fact, gone are the days&#8230;<\/p>\n","protected":false},"author":5,"featured_media":3341,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"kk_blocks_editor_width":"","_kiokenblocks_attr":"","_kiokenblocks_dimensions":""},"categories":[40],"tags":[46,47,48],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Card Present (CP) versus Card Not Present (CNP) Transactions - Kovena<\/title>\n<meta name=\"description\" content=\"Both Card Present (CP) and Card Not Present (CNP) transactions have their own unique benefits that can be advantageous in different scenarios\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kovena.com\/pt-br\/blog\/card-present-vs-card-not-present-transactions\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Card Present (CP) versus Card Not Present (CNP) Transactions - Kovena\" \/>\n<meta property=\"og:description\" content=\"Both Card Present (CP) and Card Not Present (CNP) transactions have their own unique benefits that can be advantageous in different scenarios\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kovena.com\/pt-br\/blog\/card-present-vs-card-not-present-transactions\/\" \/>\n<meta property=\"og:site_name\" content=\"Kovena\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-20T16:14:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-27T17:43:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kovena.com\/wp-content\/uploads\/sergey-zolkin-_UeY8aTI6d0-unsplash-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Cameron Saulnier\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Cameron Saulnier\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/kovena.com\/pt-br\/blog\/card-present-vs-card-not-present-transactions\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/kovena.com\/pt-br\/blog\/card-present-vs-card-not-present-transactions\/\"},\"author\":{\"name\":\"Cameron Saulnier\",\"@id\":\"https:\/\/kovena.com\/pt-br\/#\/schema\/person\/41750343bb52f7bc132107fcaf70525f\"},\"headline\":\"Card Present (CP) versus Card Not Present (CNP) Transactions\",\"datePublished\":\"2022-09-20T16:14:46+00:00\",\"dateModified\":\"2022-09-27T17:43:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/kovena.com\/pt-br\/blog\/card-present-vs-card-not-present-transactions\/\"},\"wordCount\":445,\"publisher\":{\"@id\":\"https:\/\/kovena.com\/pt-br\/#organization\"},\"keywords\":[\"Card Not Present\",\"Card Present\",\"Transactions\"],\"articleSection\":[\"Hotel Resources\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/kovena.com\/pt-br\/blog\/card-present-vs-card-not-present-transactions\/\",\"url\":\"https:\/\/kovena.com\/pt-br\/blog\/card-present-vs-card-not-present-transactions\/\",\"name\":\"Card Present (CP) versus Card Not Present (CNP) Transactions - 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