What is Card-Not-Present (CNP) fraud?

CNP fraud occurs when a transaction is made without the physical presence of the credit or debit card. This typically happens in online, phone, or mail-order purchases where the cardholder does not need to present the card physically.

Why is CNP fraud on the rise?

With the growth of e-commerce and digital transactions, opportunities for CNP fraud have increased. As chip cards and other physical security measures reduce in-person fraud, criminals have shifted to exploiting online channels.

How do fraudsters commit CNP fraud?

Fraudsters often obtain stolen card details through phishing, data breaches, malware, or buying them on the dark web. They use these details to make unauthorized online purchases that are hard to trace.

What are common signs of CNP fraud?

Red flags include mismatched billing and shipping addresses, unusually large or urgent orders, multiple failed attempts to complete a transaction, and high-risk geographic regions.

What’s the difference between CNP fraud and other types of card fraud?

CNP fraud doesn’t require the physical card—just the information on it (like the number, expiration date, and CVV). Other fraud types, like card-present fraud, happen when the actual card is stolen and swiped or tapped in person.

How can businesses prevent CNP fraud?

CNP fraud prevention strategies should be multifaceted. They include requiring strong customer authentication and implementing card verification technologies while leveraging AI and machine learning for real-time fraud detection.

How does Microblink help prevent CNP fraud?

Microblink offers AI-powered solutions that verify payment card authenticity and match cardholder information in real-time. By analyzing visual and data elements of payment cards, Microblink helps businesses detect and prevent fraudulent transactions before they occur.

Can Microblink's technology be integrated into existing systems?

Yes, Microblink's solutions are designed for easy integration into existing platforms. They offer flexible APIs and SDKs that allow businesses to incorporate payment card verification into their current workflows with minimal disruption.

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BlinkCard

Fight fraud and boost revenue with AI-driven credit card scanning

Built for businesses looking to stop card-not-present fraud, increase payment form conversions, onboard new customers and verify age.

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BLINKCARD EXPERIENCE

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Fight card-not-present fraud with BlinkCard SDK or API

Integrate BlinkCard into any mobile or web app to boost revenue with a user-centered experience. BlinkCard empowers businesses to create effortless onboarding, speed up checkout, secure high-risk transactions, and streamline age verification.

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User-friendly credit card scanning

Our industry-leading UX drives a 95% pass rate so you can maximize profit and minimize process abandonment. We’ve perfected the experience through in-depth research and usability testing, offering real-time feedback to guide users to scan a card successfully on the first try. It’s easy to scan various payment cards by holding them or positioning them at any angle.

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Check fraud signals at the moment of capture

Stop fraud before the transaction begins with our AI-powered tech applied at the moment of card capture. Real-time liveness detection verifies actual card presence by identifying screen presentations or photocopies. At the same time, integrated PAN validation analyzes the BIN to return issuer, network, card type, category, and country data for instant risk assessment. Within our Platform, payment card data can be matched with verified identity documents to create a unified user profile, enabling stronger fraud decisions before authorization.

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Expand reach with global card coverage

BlinkCard is card-type agnostic. Built-in camera management automatically detects and captures various payment cards, regardless of the issuer, layout (vertical, horizontal) or design (embossed, indented, engraved, or printed.)

Boost revenue with faster checkout

BlinkCard replaces manual data entry and scans a card for less than 3 seconds while minimizing errors. Watch how BlinkCard seamlessly speeds up forms and detects card-not-present simultaneously.

More insights into BlinkCard

Dive into case studies and engaging blogs to gain deeper insights into the power and versatility of BlinkCard technology.

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Strategies for card not present fraud prevention

Learn all about enhanced security with automated card scanning, ensuring speed and ease while preventing fraud.

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KEKS - a BlinkCard success story

How KEKS Pay made a great customer experience even better with automated credit card scanning.

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Increase conversions and protect online payments

Discover how you can mitigate the risk of card-not-present fraud and optimize payment forms with AI-powered credit and debit card scanning.

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Platforms

Accelerate your app development and leverage our advanced technology to enhance functionality and deliver exceptional user experiences.

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Native Mobile SDKs

Enhance your Android or iOS app with AI-driven credit card scanning.

Cross-platform SDKs

Integrations for React Native, Xamarin, Cordova and more.

In-browser SDK

Scan credit cards inside a browser via a simple JavaScript integration.

Self-hosted API

Run BlinkCard as a Docker container on the backend of your web app.

FEATURES

Proprietary AI powers BlinkCard

Speed and experience

BlinkCard captures high-quality images of both sides of card and extracts card data in seconds.

Anonymization of data or images

Partially or fully mask sensitive data like CVV (in extracted results and cropped images).

Customization of field extraction

Define which fields (eg. card number and not CVV) you need to extract to fit into your purchasing or age verification flow.

Easy integration

Quick integration, easy switch from trial to production and less than 5MB in SDK size.

UI customizations

Design UI to fit your branding and translate it into various languages.

Privacy-first integration

On-device or on-premise processing to enhance security and privacy.

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