{"id":6257,"date":"2025-05-13T13:33:19","date_gmt":"2025-05-13T13:33:19","guid":{"rendered":"https:\/\/www.zintego.com\/blog\/?p=6257"},"modified":"2025-05-13T13:33:19","modified_gmt":"2025-05-13T13:33:19","slug":"best-practices-for-minimizing-risk-in-card-not-present-transactions","status":"publish","type":"post","link":"https:\/\/www.zintego.com\/blog\/best-practices-for-minimizing-risk-in-card-not-present-transactions\/","title":{"rendered":"Best Practices for Minimizing Risk in Card-Not-Present Transactions"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Card-not-present (CNP) transactions occur when a customer completes a payment without physically presenting their card to the merchant. Instead of tapping or inserting the card at a payment terminal, the buyer shares their card details remotely, typically via digital channels.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common examples of card-not-present transactions include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Online shopping<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Phone orders<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mail-in payments<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Subscriptions and recurring billing<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mobile app purchases<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payments processed through virtual terminals<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In contrast, card-present (CP) transactions take place in person, where the merchant can physically inspect the card and sometimes request identification.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding the distinction between these two types of transactions is critical for assessing risk and determining the appropriate fraud prevention strategies.<\/span><\/p>\n<h3><b>Key Differences Between Card-Present and Card-Not-Present Transactions<\/b><\/h3>\n<p><b>Environment<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Card-present transactions occur in physical retail environments, face-to-face. Card-not-present transactions happen remotely through digital or telephone channels.<\/span><\/p>\n<p><b>Verification Methods<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> In card-present transactions, merchants can verify the physical card and the cardholder\u2019s ID. Card-not-present transactions rely on digital methods, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Address Verification Service (AVS)<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Card Verification Value (CVV) codes<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">3D Secure authentication<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><b>Security Risks<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Card-present transactions are generally safer, as they require physical possession of the card. In contrast, CNP transactions are more susceptible to fraud because stolen details can be used from anywhere in the world.<\/span><\/p>\n<p><b>Processing Fees<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"> Due to the increased risks, CNP transactions often carry higher processing fees. Payment processors adjust rates to account for the greater likelihood of fraud and chargebacks.<\/span><\/p>\n<h2><b>Why Card-Not-Present Transactions Are on the Rise<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The shift toward digital commerce has caused card-not-present transactions to skyrocket. Several trends and technological shifts are driving this change.<\/span><\/p>\n<h3><b>Growth of eCommerce<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">One of the most significant drivers of CNP transactions is the rapid expansion of e-commerce. As consumers increasingly shop online, more transactions take place without a physical card exchange. Whether it\u2019s retail goods, food delivery, or digital products, online payments have become routine.<\/span><\/p>\n<h3><b>Changing Consumer Preferences<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Modern consumers prioritize convenience and flexibility. They expect to be able to shop at any time from anywhere, whether on their computers or smartphones. The ability to complete transactions without visiting a store makes CNP payments attractive for today\u2019s fast-paced lifestyles.<\/span><\/p>\n<h3><b>Impact of EMV Chip Technology<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The widespread adoption of EMV chip cards has made in-person card fraud more difficult. This has had an unintended consequence\u2014fraudsters have turned their attention to the more vulnerable CNP environment. With chip security in place for physical cards, online and remote channels have become the new targets for criminal activity.<\/span><\/p>\n<h3><b>Subscription and Recurring Payment Models<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The subscription economy\u2014streaming services, meal kits, digital tools, and more\u2014has grown rapidly. These services operate on recurring billing cycles that are inherently card-not-present. This means millions of payments are being processed automatically each month without the customer ever needing to swipe or tap their card.<\/span><\/p>\n<h3><b>Global Commerce Without Borders<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Card-not-present transactions also make international commerce easier. Businesses can sell to customers across the globe without opening physical locations in each region. This increases accessibility and scalability, but it also introduces new challenges around fraud, regulatory compliance, and localization.<\/span><\/p>\n<h2><b>Risks Associated With Card-Not-Present Transactions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">While card-not-present transactions offer flexibility and scalability, they also introduce significant risks. Fraud, operational inefficiencies, and customer trust issues can severely impact business performance.<\/span><\/p>\n<h3><b>Higher Fraud Rates<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The primary concern with CNP transactions is the elevated risk of fraud. Since the card isn\u2019t physically presented, merchants must rely on digital methods to verify the identity of the cardholder. This opens the door for criminals using stolen card details.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In many regions, card-not-present fraud represents the majority of all card-related fraud. Without proper safeguards, businesses can quickly become targets for fraudulent transactions that are difficult to detect in real-time.<\/span><\/p>\n<h3><b>Financial Liability and Chargebacks<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In card-present environments, liability for fraudulent transactions often shifts to the bank or payment processor. However, in card-not-present scenarios, that liability generally falls on the merchant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When fraud occurs, businesses can lose both the product and the revenue. Additionally, chargeback fees apply, and repeated incidents may damage a business\u2019s standing with payment processors or result in account termination.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The global cost of CNP fraud is projected to increase significantly in the coming years, highlighting the urgency of addressing these vulnerabilities.<\/span><\/p>\n<h3><b>Operational Complexity<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Fighting fraud in card-not-present environments requires extra layers of security, which can add friction to the customer experience. Businesses must implement advanced verification systems, train staff to detect suspicious behavior, and allocate resources for monitoring and dispute resolution.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This added complexity increases operational costs and can slow down the payment process, negatively impacting the customer journey.<\/span><\/p>\n<h3><b>Customer Confidence and Brand Reputation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Fraud incidents can lead to damaged reputations and a loss of consumer trust. When customers fall victim to fraud\u2014or even hear about others experiencing it\u2014they may hesitate to share their payment details in the future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This hesitation can result in lower conversion rates, more abandoned carts, and reduced customer loyalty.<\/span><\/p>\n<h2><b>Types of Fraud Targeting Card-Not-Present Transactions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Fraudsters continuously evolve their tactics, exploiting both technical vulnerabilities and human behavior. Understanding common types of CNP fraud is essential for developing effective defenses.<\/span><\/p>\n<h3><b>Phishing Attacks<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Phishing involves sending fake emails or directing users to fraudulent websites that imitate legitimate businesses. These schemes are designed to trick consumers into entering card details, login credentials, or other sensitive information.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once scammers collect this data, they can make unauthorized purchases or sell the information on dark web marketplaces.<\/span><\/p>\n<h3><b>QR Code Phishing (Quishing)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Quishing is a newer variation of phishing. Criminals create malicious QR codes that lead users to fake websites or automatically download malware. These attacks are especially dangerous because QR codes are difficult to verify and often bypass traditional security filters.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This method targets mobile users who scan codes without considering where they might lead, making it an emerging threat in CNP fraud.<\/span><\/p>\n<h3><b>Account Takeover<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In account takeover fraud, criminals gain access to a customer\u2019s legitimate account, often through password reuse, social engineering, or credential stuffing. Once inside, they can make purchases, change shipping information, or access stored payment details.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These fraudulent transactions often appear legitimate, making them harder to detect and stop.<\/span><\/p>\n<h3><b>Chargeback Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Chargeback fraud occurs when someone makes a purchase using stolen card information, and the legitimate cardholder later disputes the charge. The merchant loses both the product and the funds, along with additional chargeback fees.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This form of fraud is widespread in online retail and can be difficult to fight without strong evidence of authorization and delivery.<\/span><\/p>\n<h3><b>Friendly Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Friendly fraud happens when a real customer makes a purchase and later disputes it, either accidentally or deliberately. Sometimes, the buyer forgets about the purchase or doesn\u2019t recognize it on their statement. Other times, they intentionally try to get a refund while keeping the product.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regardless of intent, merchants typically lose these disputes unless they have strong documentation.<\/span><\/p>\n<h3><b>Triangulation Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In this sophisticated scheme, fraudsters set up fake storefronts to gather payment information from unsuspecting shoppers. They then use stolen card details to buy real products from legitimate merchants and ship them to the original customer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Eventually, the actual cardholder disputes the charge, and the legitimate merchant is hit with a chargeback.<\/span><\/p>\n<h3><b>Digital Wallet Exploits<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Digital wallets have become increasingly popular, but they also present new targets for fraud. Criminals may use phishing to gain access or exploit technical flaws to bypass security measures.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once a digital wallet is compromised, fraudsters can use it to complete transactions across multiple platforms.<\/span><\/p>\n<h3><b>Card Testing Attacks<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Before using stolen card data for large purchases, fraudsters often conduct small transactions to test whether the card is still active. These micro-purchases might not immediately alert the cardholder, but they signal potential for larger-scale fraud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For businesses, these low-value transactions can increase fees, disrupt operations, and signal the need for tighter controls.<\/span><\/p>\n<h2><b>Why Are Card-Not-Present Transactions Increasing?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Card-not-present transactions have experienced significant growth in recent years. This transformation is driven by changes in technology, consumer behavior, and the global shift toward digital commerce.<\/span><\/p>\n<h3><b>Rise of Online Shopping<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The dramatic rise of e-commerce is a major factor behind the increase in card-not-present transactions. Consumers are increasingly comfortable shopping online for everything from groceries to electronics, often preferring the convenience of browsing and purchasing without visiting a physical store.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As more businesses establish digital storefronts, customers are encouraged to complete transactions using credit or debit card details online, via mobile apps, or over the phone. The widespread availability of high-speed internet and mobile devices has only accelerated this trend.<\/span><\/p>\n<h3><b>Shift in Consumer Preferences<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Consumer expectations have evolved. Convenience, speed, and 24\/7 access to products and services are now standard. Many prefer the ability to order goods or subscribe to services from the comfort of their home or on the go.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This demand for flexibility has made card-not-present transactions the default mode for a wide range of services, including streaming subscriptions, food delivery, digital goods, online education, and even healthcare consultations.<\/span><\/p>\n<h3><b>Enhanced Security in Physical Transactions<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">As chip technology (EMV) has made in-person fraud more difficult, criminals have shifted their focus to digital channels. Physical cards equipped with EMV chips are harder to clone, and the additional verification steps during in-person purchases act as deterrents. Consequently, fraudsters now target card-not-present channels, which present more opportunities for anonymous and remote exploitation.<\/span><\/p>\n<h3><b>Subscription Model Growth<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The subscription economy has exploded. From entertainment services and cloud software to subscription boxes and digital tools, recurring billing models are more common than ever. Every subscription payment is processed as a card-not-present transaction, often without requiring the customer to re-enter their information.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This automatic billing system streamlines the payment experience for customers but creates opportunities for fraud and disputes if account information is compromised.<\/span><\/p>\n<h3><b>Global Expansion of Businesses<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses now operate across borders with greater ease, allowing them to reach customers in new regions without opening physical locations. Cross-border digital sales almost always involve card-not-present transactions, where customers pay through remote checkout experiences.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This global reach increases sales potential but also introduces new fraud risks, especially when merchants must manage different regulatory requirements, currencies, and local fraud trends.<\/span><\/p>\n<h2><b>Risks of Card-Not-Present Transactions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">While offering convenience and flexibility, card-not-present transactions come with unique vulnerabilities that affect both businesses and customers.<\/span><\/p>\n<h3><b>Increased Exposure to Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Card-not-present fraud is significantly more prevalent than fraud involving physical cards. Without the physical card and cardholder present, it\u2019s harder to verify transactions accurately. Fraudsters can use stolen card information to place unauthorized orders remotely, leading to financial losses and reputational damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In many markets, the majority of card fraud is now committed through card-not-present channels. These transactions often involve stolen credentials obtained through data breaches, phishing attacks, or dark web purchases.<\/span><\/p>\n<h3><b>Financial Responsibility Falls on Merchants<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Unlike in-person transactions, where the liability for fraudulent activity is often assumed by the card issuer or bank, in card-not-present transactions, the merchant usually bears the financial burden. This includes the cost of the lost goods or services, refunding the customer, and paying chargeback fees.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Repeated chargebacks may also damage a merchant\u2019s account standing and lead to penalties, higher fees, or even termination by the payment processor.<\/span><\/p>\n<h3><b>Operational Complexity and Costs<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Because verifying digital transactions is more difficult, businesses need to invest in extra layers of security. This includes employing fraud detection tools, monitoring transaction patterns, verifying customer data, and training staff to handle suspicious activities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These security measures can increase operational overhead. They may also introduce friction into the checkout process, which could reduce conversions or frustrate customers who experience false positives.<\/span><\/p>\n<h3><b>Damage to Customer Trust<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Customers who fall victim to card-not-present fraud may lose confidence in the merchant involved, even if the business was not directly at fault. High-profile incidents or frequent fraud reports can negatively affect brand reputation and customer retention.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, fear of fraud may cause customers to abandon online purchases, opt for cash on delivery, or avoid using payment cards altogether.<\/span><\/p>\n<h2><b>Types of Fraud in Card-Not-Present Transactions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">To defend against card-not-present fraud, businesses need to understand the techniques fraudsters commonly use. These attacks often bypass basic protections and exploit both technical and human vulnerabilities.<\/span><\/p>\n<h3><b>Phishing Attacks<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Phishing is a long-standing tactic in which attackers impersonate legitimate companies to trick users into revealing sensitive information. This often involves fake emails, websites, or SMS messages that appear genuine.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once victims input their card details, credentials, or personal data, fraudsters can use the information for unauthorized purchases or identity theft. These attacks are becoming more sophisticated, using realistic branding and urgent language to deceive even cautious users.<\/span><\/p>\n<h3><b>Quishing (QR Phishing)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Quishing is a variation of phishing that uses malicious QR codes to direct users to fake sites or trigger automatic data collection. QR codes are increasingly used for menus, payments, and login screens, making them a tempting target for criminals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because traditional email filters and antivirus software often don\u2019t scan QR codes, phishing attacks can bypass typical security systems. Once users scan a malicious code, they may unknowingly share sensitive data or download malware onto their devices.<\/span><\/p>\n<h3><b>Account Takeover (ATO) Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Account takeover fraud occurs when attackers gain unauthorized access to a user\u2019s account. This is often accomplished using stolen passwords from other breaches or through social engineering. Once logged in, fraudsters can use stored payment information to make purchases, change addresses, or withdraw funds.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These attacks can be particularly damaging because they appear legitimate to the system. Detection often requires advanced behavioral analysis to identify deviations in usage patterns.<\/span><\/p>\n<h3><b>Chargeback Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">This form of fraud happens when a stolen card is used to make a purchase, and the real cardholder disputes the charge with their bank. The bank initiates a chargeback, refunding the customer and reversing the payment from the merchant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this scenario, merchants lose the product or service and the revenue, in addition to paying chargeback processing fees. Repeated chargebacks can lead to fines and even restrictions on the merchant\u2019s ability to accept card payments.<\/span><\/p>\n<h3><b>Friendly Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Friendly fraud occurs when customers make legitimate purchases and later dispute the charges with their bank, falsely claiming they didn\u2019t receive the product or didn\u2019t authorize the transaction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sometimes this is done with malicious intent, while other times it results from confusion or forgetfulness. Without solid evidence, such as delivery confirmations or customer communication records, businesses often lose these disputes.<\/span><\/p>\n<h3><b>Triangulation Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Triangulation fraud is a multi-step scheme involving unsuspecting consumers. Fraudsters set up fake storefronts or sell on online marketplaces. When a customer places an order, the fraudster uses stolen card data to buy the item from a legitimate merchant and has it shipped directly to the buyer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The customer receives the item, but the original cardholder later disputes the charge, resulting in a chargeback for the legitimate merchant. Meanwhile, the fraudster profits from the difference.<\/span><\/p>\n<h3><b>Exploitation of Digital Wallets<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Digital wallets, while convenient, are not immune to fraud. Attackers may use phishing or technical exploits to access wallets and make unauthorized purchases. Once compromised, these wallets can be used to conduct transactions without triggering suspicion, particularly in low-friction environments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fraud prevention systems must be adapted to account for wallet-specific threats, including identity verification and device profiling.<\/span><\/p>\n<h3><b>Card Testing<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Card testing is used by fraudsters to validate stolen card information. Small, low-value purchases are made to check if the card is active. If the transaction is approved, the fraudster proceeds with larger purchases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Card testing often results in numerous small unauthorized charges across different merchants. These not only lead to losses and disputes but can also increase payment processing costs and flag businesses for suspicious activity.<\/span><\/p>\n<h2><b>The Need for Vigilance and Adaptability<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As digital payments grow in volume and value, fraud tactics evolve in parallel. The best defense against card-not-present fraud is a proactive, layered security strategy. Businesses need to combine real-time monitoring, identity verification, and machine learning to detect and respond to suspicious activity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Staying informed about new fraud trends and maintaining open communication with customers is also essential. The more prepared a business is, the less likely it is to suffer the severe consequences of fraud in remote transactions.<\/span><\/p>\n<h2><b>How to Prevent Card-Not-Present Fraud<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Fighting card-not-present (CNP) fraud requires more than basic defenses. Businesses need a proactive, layered approach that combines technology, training, and strong policies. Below are effective strategies to help reduce fraud and protect customer trust.<\/span><\/p>\n<h3><b>Use Multi-Factor Authentication (MFA)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Implementing multi-factor authentication adds a powerful layer of security. By requiring users to verify their identity through a second factor, such as a one-time password (OTP), biometric scan, or mobile app confirmation, businesses make it significantly harder for fraudsters to succeed using stolen credentials.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MFA can be applied at critical points, such as logging into accounts, making large purchases, or changing shipping addresses.<\/span><\/p>\n<h3><b>Implement Address Verification Service (AVS)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">AVS compares the billing address entered by the customer with the address on file with the card issuer. If the addresses don\u2019t match, the system flags the transaction as potentially fraudulent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">AVS is particularly useful for filtering out automated fraud attempts and reducing chargebacks, especially for transactions in regions where AVS data is reliably supported.<\/span><\/p>\n<h3><b>Require CVV Codes<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The CVV (Card Verification Value) is a 3- or 4-digit code printed on the card, not stored in the magnetic strip or chip. Since merchants are not allowed to store CVV codes, requiring customers to input this number helps confirm that the person placing the order has physical access to the card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although not foolproof, CVV checks can block many low-level fraud attempts using stolen card numbers.<\/span><\/p>\n<h3><b>Use 3D Secure (3DS)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">3D Secure is an authentication protocol designed to add a step of identity verification for online payments. Versions like 3D Secure 2 support biometric and mobile authentication, streamlining the experience while still increasing protection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">3DS can shift liability to the card issuer in case of fraud, reducing financial exposure for the merchant.<\/span><\/p>\n<h3><b>Monitor Transactions in Real Time<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Real-time transaction monitoring allows businesses to detect suspicious behavior as it happens. Systems can analyze factors such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unusual purchase amounts<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inconsistent geolocation<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repeated failed attempts<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiple orders from the same IP address<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use of anonymizing tools like VPNs or proxies<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Advanced systems use machine learning to adapt to evolving threats, identifying fraud patterns without blocking legitimate customers.<\/span><\/p>\n<h3><b>Set Transaction Limits and Velocity Checks<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Velocity checks limit how often a customer can perform specific actions in a set time frame (e.g., number of transactions per minute). Combined with transaction limits (e.g., maximum order value), these tools reduce the risk of mass fraud attempts or bot-driven attacks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This method also helps detect card testing activity and rapid-fire fraud techniques.<\/span><\/p>\n<h3><b>Conduct Device and IP Analysis<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Device fingerprinting identifies the type of device used in a transaction and creates a unique profile based on browser settings, screen size, operating system, and other attributes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Monitoring IP addresses and geolocation helps flag suspicious activity. For example, if a customer logs in from one country but attempts a transaction from another shortly after, the system can require additional verification or block the attempt.<\/span><\/p>\n<h3><b>Use Tokenization<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Tokenization replaces sensitive card data with a unique, randomized token that has no exploitable value outside the specific transaction. If a token is intercepted or leaked, it cannot be reused by attackers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is especially important in recurring billing and digital wallet systems, where card information is stored for future transactions.<\/span><\/p>\n<h3><b>Train Staff and Educate Customers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Fraud prevention is not just a technical challenge\u2014it\u2019s also a human one. Businesses should train staff to recognize social engineering attempts, phishing emails, and signs of account compromise.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Customers should be informed about common fraud tactics, encouraged to use strong passwords, and reminded to monitor their statements for unauthorized charges.<\/span><\/p>\n<h3><b>Have a Clear Chargeback Management Process<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Chargebacks are often the result of fraud, but can also stem from poor customer experience. By maintaining accurate order records, tracking deliveries, and offering responsive support, businesses can reduce the risk of disputes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Having a documented dispute resolution process, along with timely responses to chargeback claims, can help recover lost revenue and maintain merchant account health.<\/span><\/p>\n<h2><b>Card-Not-Present Fraud Statistics<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding the scale of the threat helps businesses appreciate the importance of prevention. Recent data shows a concerning trend in both the frequency and financial impact of CNP fraud.<\/span><\/p>\n<h3><b>Global Growth of CNP Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">According to multiple industry studies, card-not-present fraud now accounts for more than <\/span><b>70% of all card fraud<\/b><span style=\"font-weight: 400;\"> globally. As online sales grow, so does the opportunity for abuse. Fraudsters often prefer CNP transactions because they can remain anonymous and exploit weaker security controls.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In regions where chip-and-PIN technology has been widely adopted, CNP fraud has surged as criminals shift away from in-person schemes.<\/span><\/p>\n<h3><b>Financial Losses<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Estimates suggest that <\/span><b>global losses from CNP fraud exceed tens of billions of dollars annually<\/b><span style=\"font-weight: 400;\">, and that figure continues to rise. These losses are felt not only by large corporations but also by small businesses with fewer resources to absorb the impact.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><b>cost of fraud goes beyond the stolen amount<\/b><span style=\"font-weight: 400;\">\u2014it includes chargeback fees, lost merchandise, shipping costs, investigation time, and reputational harm.<\/span><\/p>\n<h3><b>Chargeback Rates Are Increasing<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">CNP transactions see a higher rate of chargebacks compared to card-present transactions. Chargebacks have grown by as much as <\/span><b>20\u201330% year-over-year<\/b><span style=\"font-weight: 400;\"> in some sectors, particularly in industries with high volumes of digital or subscription sales.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Excessive chargeback rates can result in increased processing fees or even termination of a business&#8217;s merchant account, severely disrupting operations.<\/span><\/p>\n<h3><b>Rise in First-Party Fraud<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">&#8220;Friendly fraud&#8221; or first-party fraud\u2014where a legitimate cardholder falsely disputes a transaction\u2014is responsible for a growing share of CNP chargebacks. Some estimates indicate that <\/span><b>more than 50% of chargebacks<\/b><span style=\"font-weight: 400;\"> may now be friendly fraud rather than third-party criminal activity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This trend makes it harder for businesses to distinguish between accidental disputes and intentional abuse.<\/span><\/p>\n<h2><b>Looking Ahead<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The future of payments is increasingly digital, and so are the threats. As technology evolves, so do the techniques fraudsters use to exploit vulnerabilities in card-not-present transactions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Staying ahead of these threats requires a combination of smart tools, strong authentication, continuous monitoring, and customer education. With the right strategies, businesses can offer safe and seamless payment experiences while protecting their bottom line.<\/span><\/p>\n<h2><b>How to Reduce Chargebacks in Card-Not-Present Transactions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Chargebacks can damage profitability, impact merchant accounts, and increase processing fees. While some chargebacks result from legitimate fraud, many can be prevented with proactive customer service, transaction clarity, and fraud-prevention strategies. Here are key ways to reduce chargebacks in card-not-present environments.<\/span><\/p>\n<h3><b>Use Clear Payment Descriptors<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A major source of chargebacks is customer confusion over transaction descriptions. If a customer doesn\u2019t recognize a charge on their statement, they may dispute it, even if it was legitimate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To avoid this:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Include your recognizable business name in the payment descriptor<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Add relevant purchase information, such as a product type or service date.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ensure consistency across all billing communications.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Clarity helps customers immediately identify purchases and reduces \u201cfriendly fraud.\u201d<\/span><\/p>\n<h3><b>Display Transparent Policies<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Your return, refund, and cancellation policies should be easy to find and worded clearly. Display these policies at checkout, in confirmation emails, and within account settings. If a customer feels misled or confused by your terms, they\u2019re more likely to initiate a dispute.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key tips:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Require customers to acknowledge your policies during checkout<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep language simple and avoid legal jargon.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make policies accessible from mobile devices.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Clarity builds trust and can prevent unnecessary disputes.<\/span><\/p>\n<h3><b>Communicate Proactively with Customers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Open and consistent communication reduces uncertainty. Send automatic updates at each step of the transaction process, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Order confirmation<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shipping status with tracking numbers<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Delivery confirmation<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Subscription renewal reminders<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Timely communication shows professionalism and allows customers to reach out to you before escalating concerns through their bank.<\/span><\/p>\n<h3><b>Use Pre-Transaction Validation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Fraudulent transactions often result in chargebacks. Preventing fraud at the transaction level also reduces chargeback volume.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Apply the following validation steps:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Address Verification Service (AVS)<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Card Verification Value (CVV) checks<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk scoring for high-value or international purchases<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Geolocation and IP tracking<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Layering validation tools makes it harder for fraudsters to succeed and gives you evidence if a dispute arises.<\/span><\/p>\n<h3><b>Engage After the Purchase<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Post-purchase interactions can both build loyalty and act as a chargeback deterrent. Follow up with customers to ensure satisfaction, gather feedback, and resolve minor issues before they escalate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For recurring services, notify users before renewals and make cancellation options visible. Many chargebacks stem from frustration with automatic billing that feels unexpected or hard to stop.<\/span><\/p>\n<h3><b>Create a Dispute Management Workflow<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Chargebacks can\u2019t be eliminated, so having a process in place to manage them is crucial.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your team should be prepared to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Respond promptly to dispute notifications<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submit compelling evidence (invoices, delivery tracking, communication logs)<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Track chargeback reasons to identify patterns<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adjust operations based on recurring problems.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some platforms offer pre-dispute tools that alert you before the chargeback is finalized, giving you time to issue refunds or communicate with customers first.<\/span><\/p>\n<h2><b>Compliance Standards for Card-Not-Present Transactions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Card-not-present transactions are subject to strict regulations meant to protect sensitive data, reduce fraud, and maintain consumer confidence. Ignoring these requirements can lead to heavy fines, reputational damage, and potential legal action.<\/span><\/p>\n<h3><b>PCI DSS Compliance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The Payment Card Industry Data Security Standard (PCI DSS) applies to any business that handles cardholder data. These rules establish a framework for protecting payment information in both storage and transmission.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key requirements include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Encryption<\/b><span style=\"font-weight: 400;\">: Secure all cardholder data during transmission using strong encryption protocols.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Access control<\/b><span style=\"font-weight: 400;\">: Restrict system access to only authorized users with unique credentials.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Monitoring and testing<\/b><span style=\"font-weight: 400;\">: Regularly test networks and security systems to detect vulnerabilities.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Data storage limits<\/b><span style=\"font-weight: 400;\">: Never store CVV codes or magnetic stripe data after authorization.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Tokenization and encryption help reduce your PCI compliance scope by limiting exposure to sensitive card data.<\/span><\/p>\n<h3><b>Strong Customer Authentication (SCA)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In regions under the Revised Payment Services Directive (PSD2), Strong Customer Authentication is required for many online payments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SCA mandates two-factor authentication using at least two of the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Knowledge: Something the user knows (e.g., password or PIN)<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Possession: Something the user has (e.g., smartphone or token)<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inherence: Something the user is (e.g., biometric data)<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This requirement applies to most electronic payments and can be fulfilled using authentication protocols like 3D Secure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SCA includes exceptions, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low-value transactions under a certain threshold<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recurring payments after the initial setup<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transactions are deemed low risk based on risk analysis tools.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Understanding these rules allows businesses to streamline checkout while remaining compliant.<\/span><\/p>\n<h3><b>Global Compliance Considerations<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses operating internationally must consider various data privacy and payment compliance regulations beyond PCI and SCA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key issues include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Data privacy laws<\/b><span style=\"font-weight: 400;\">: Laws such as the General Data Protection Regulation (GDPR) require transparent data handling, clear user consent, and the right to access or delete personal data.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Local fraud prevention standards<\/b><span style=\"font-weight: 400;\">: Some countries require specific transaction monitoring tools, especially for cross-border transactions.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cultural expectations<\/b><span style=\"font-weight: 400;\">: In some markets, fraud protection and verification expectations differ, requiring customized checkout flows or language localization.<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To stay compliant, businesses must regularly audit systems, keep policies up to date, and align with current legal requirements in every market they serve.<\/span><\/p>\n<h2><b>Final Thoughts: Securing Card-Not-Present Transactions for the Future<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Card-not-present transactions are the backbone of modern commerce, driving everything from online retail to digital subscriptions and global service delivery. But this convenience comes with increased vulnerability.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The most effective approach to securing CNP transactions includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Layered fraud prevention<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transparent communication with customers<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thoughtful implementation of authentication tools<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ongoing compliance with international data and payment standards<\/span><span style=\"font-weight: 400;\">\n<p><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Technology plays a critical role, but people and processes matter just as much. Staff training, customer support, and user education complement automated systems to provide holistic protection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The goal is to strike the right balance between security and convenience. Adding too much friction can drive away customers. Leaving gaps in your defenses invites fraud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By continuously evaluating risks, updating tools, and improving processes, businesses can confidently process card-not-present transactions while maintaining customer trust and operational stability.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Card-not-present (CNP) transactions occur when a customer completes a payment without physically presenting their card to the merchant. Instead of tapping or inserting the\u2026<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44,37,24,38],"tags":[],"class_list":["post-6257","post","type-post","status-publish","format-standard","hentry","category-ecommerce","category-management","category-payments","category-security"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/posts\/6257","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/comments?post=6257"}],"version-history":[{"count":0,"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/posts\/6257\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/media?parent=6257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/categories?post=6257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zintego.com\/blog\/wp-json\/wp\/v2\/tags?post=6257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}