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Understand Your CNP Fraud Risk and Optimize Your Fraud Prevention Process

Are your efforts to protect against card-not-present fraud negatively impacting your business?

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After reading this Ebook , you’ll know how to:

  • Identify leaks in your system that enable fraudulent orders to be approved – and that are causing chargebacks.
  • Identify blockages in your system that cause good orders to be declined and good customers to walk away…possibly forever.
  • Measure and analyze your system to understand what’s working and what isn’t, so you can get fraud protection that works for your business.

About this Ebook

How Well Do You Understand and Manage Your CNP Fraud Risk?

Three-step CNP fraud risk assessment

When you sell online, it’s important to know how your fraud program impacts your incoming orders.

  • Are you approving too many bad orders, which means too many chargebacks?
  • Are you declining too many good orders, which means angry customers and lost revenue?
  • How can you tell if you are appropriately approving or declining orders?

Catch fraud prevention mistakes before they happen

Maybe you rely too much on fraud filters. Or you limit the type of transactions that get manually reviewed. Or maybe you have no fraud prevention and protection strategy at all. The key is to identify where you are at risk…before fraudsters do.

For nearly 20 years, we’ve been helping ecommerce merchants assess their CNP fraud risk and put mitigation measures in place. This helpful guide will show you how to assess every aspect of your fraud program, so you can ensure you aren’t losing revenue to CNP fraud.

Frequently Asked Questions (FAQs)

What is a card-not-present (CNP) purchase?

A CNP transaction happens when an order is placed online, by mail or over the phone, without the merchant seeing the physical card.

Merchants only need to have the card details (credit card number, expiration date and possibly the CVV number). Because a manual signature and card imprint aren’t required at the time of purchase, fraudsters often use stolen credit card information to make purchases that the actual cardholder doesn’t authorize.

Is CNP fraud really that costly?

Yes! CNP fraud creates a chain of events that costs merchants more than just the cost of goods sold. Other costs include:

  • Shipping costs, especially when fraudsters request high-priority shipping to get the products quickly, which is often the case.
  • Chargeback fees when the cardholder calls their bank and asks for a refund.
  • Administrative costs related to processing and disputing a chargeback. Merchants have to conduct research, contact the customer, respond to the band and gather dispute documentation. On average, that’s up to two hours of time per chargeback.
  • Monitoring program fees that credit card companies impose if a merchant’s chargeback rate becomes too high.
  • Reputation loss when banks stop working with merchants and when customers pay the price of poor fraud prevention practices.

Why do I need to fill out the information requested?

We will always keep your personal information safe.

We ask for your information in exchange for this valuable resource to improve your website user experience and send you additional information that is related to this topic and growing your business. You can read more about our privacy policy here.

Is this actually free?

Of course it is!

We are simply sharing our industry knowledge that our clients and team members find helpful. Let us know if you have any additional fraud or ecommerce questions.

Fill out the form and optimize your fraud prevention process today!


ClearSale Reviews


Amazing Company to work with

"Their customer service is the best. They are quick to respond and answer questions regarding orders that are denied."

Teresa E.


Amazing - takes the stress away from me!

"I love that it takes the stress away from me worrying about fraud charges."

Dustin D.


Great fraud prevention for ecommerce sites

"ClearSale has a great fraud protection program using their algorithmic matching of potentially fake orders, and will scan them as they come up and reject them if they are suspected as fraud."

Lee K.


Excellent service - both timeliness and fraud control

"I have always received immediate response and minimal fraud rejection -- which leads to increased sales."



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