Card-not-present
The card-network classification for any transaction where the physical card isn't read by a terminal at the moment of sale — every phone order and every website checkout, by definition.
The category predates online shopping and even the touch-tone phone, formerly narrower and called mail order/telephone order (MOTO). Card-not-present transactions typically carry higher processing fees than card-present ones, and liability for card-not-present fraud lands on the merchant far more often, because nobody could look at the card or ask for matching ID.
A restaurant sells the identical combo three ways in one afternoon: a tap-to-pay at the counter (card-present, since a device physically read the credential), a website order (card-not-present), and a phoned-in order where the customer reads their card number aloud (also card-not-present, indistinguishable in the network's eyes from the website order).
The most common misreading treats “card-not-present” as describing something suspicious, when it's a routine classification covering most phone and online commerce. A second: conflating “card not present” with “person not present” — a video call where the merchant can see the cardholder's face is still card-not-present if the card itself was never read by a terminal.
Because every phone order is card-not-present the moment a caller wants to pay by card, Dohos routes that step through a separate, secure collection process rather than the ordinary conversation, covered on Payment security.
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