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Card Present

A card present transaction (CP) is a payment identification method that indicates whether a tangible credit card was used at the time of purchase. This is generally determined when card readers capture data through the magnetic strips featured on the back of credit cards or in EMV (Europay Mastercard and Visa) chips once cards are swiped or inserted into payment terminals. The presence or non-presence of a card at the time of purchase can also affect whether the merchant charges a transaction fee.

Examples of CP transactions include portable card readers, mounted credit card machines – typically found at checkout registers – and contactless payment terminals.