A card-present transaction happens when the physical card is read with a point-of-sales (POS) terminal. A card-present merchant is often referred to as a brick-and-mortar store.
Some examples of card-present transactions include:
- Swiping a card with a magnetic strip
- Inserting an EMV chip card into a card reading device
- Utilizing a contactless or near-field communication (NFC) card reader