Card Payment Acceptance Methods

In this section you will learn about payment card payment acceptance methods.

Card Present

The card is physically presented to a merchant at the time of the transaction.


The capture of card data from an Integrated Circuit Card (ICC) that has an integrated circuit embedded in it that can store and process data securely. It is also known as a Chip Card or Smart Card.

ICC data can be captured by a PIN Entry Device (PED), also known as a PIN pad or smart card reader, that enables a merchant to accept an IC Card and validate a cardholder’s identity using a secure Personal Identification Number (PIN) rather than a signature.

An IC Card is “dipped” or plugged into a PED. A cardholder enters their Personal Identification Number (PIN) for security purposes. An ICC transaction is processed in accordance with EMV standards. Learn more about EMV.


The capture of card data by a magnetic stripe reader that reads the information encoded in the magnetic stripe on the reverse of a card. Card data is read by swiping the card through the device.

The magnetic stripe comprises three separate tracks: Tracks 1 and 3 contain information such as the cardholder's name and bank account details and Track 2 contains card data, such as start date, expiry date and issue number.


The capture of card data by keying it into a PIN Entry Device.

Card Not Present

The card is not physically presented to a merchant at the time of the transaction.

Mail Order/Telephone Order (MOTO) and Internet (e-commerce) businesses process "card not present" transactions. Card details are keyed into a terminal or web form. Additional data is captured as a security measure: Card Security Code (CSC), Address Verification System (AVS) data and 3-D Secure data.