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Card Not Present Transactions

ACS has developed guidance to to inform convenience retailers about best practice on offering and processing ‘card not present’ card payments during the COVID-19 outbreak for volunteers purchasing groceries on behalf of vulnerable customers or people self-isolating.

The Government has advised people who are at very high risk of severe illness from COVID-19 to ‘shield’ themselves from harm by staying home for a period of at least twelve weeks and avoid leaving their home for grocery shopping.

Card not present payments are an option for customers who are unable to come into store, the details are typically provided over the phone by the customer and entered by the retailer into the card terminal. The use of CNP transactions for in-store shopping is therefore an unusual measure, but one which can in help customers during the period of the COVID-19 outbreak.

The guidance includes information on: 

  • How to accept CNP transactions
  • How to reduce chances of fraud
  • How to reduce risks of chargeback



UK Finance have published further advice for self-isolating customers seeking access to cash and wanting to pay for essential items here.

There are fraud risks associated with all types of payments methods, the Take Five To Stop Fraud here provide useful advice and support for businesses to reduce fraud risks.

There are additional posters for retailers available here: