Card-Present vs. Remote Card Payments

Identify how the customer presents the card

An in-person payment may use a chip or contactless terminal. A remote payment generally starts at online checkout, an invoice, or another method the provider supports. The provider and account agreement determine how each channel is enabled and how transactions are classified.

Keep the operational records distinct

• Associate each location or storefront with its approved account and reporting identifiers.
• For in-person sales, document which terminal and receipt record are used.
• For remote orders, retain the order record, checkout receipt, and fulfillment reference under your normal retention rules.

Define how staff handle an unavailable method

Document a provider-approved alternative for a failed terminal or unavailable online method. Explain which actions staff can take and when to escalate. Reconcile any existing attempt before starting a replacement and keep transaction classifications accurate.