the fraud practice provides the following training courses related to merchant acquiring of businesses taking payments from cnp channels - online and telephone based transactions.

The following intermediate courses require some basic knowledge or training on the subject matter to understand the course material.

  • cnp fraud. CNP includes all transactions in which the goods and services are sold to a consumer and the physical card is not given to the merchant. CNP includes three groups of transactions: phone-in orders (telephone order), catalogue orders (mail order), and e-commerce orders. Mail order and telephone orders are typically lumped together in a category we call MOTO. E-commerce typically refers to the sale of goods and services online. Our training courses focus on the prevention of fraud for CNP transactions.
  • So who pays when a fraudster steals goods and services? It may surprise you to find out the merchant is left with the bill in most of the cases. For CNP purchases, the merchant is typically liable, while in CP purchases, the card association protects the merchants.
  • we want 100% customer satisfaction. There is nothing worse than signing up for training only to find out that it wasn't on the topic you expected, or it wasn't advanced enough to provide value. If you have any doubt about the fit of a course to your particular needs, please give us a call. We will be happy to discuss the courses that are available, and to provide more detailed overviews on content to ensure you make the most of your training dollars and time.
  • taking the courses. Courses are offered either online, onsite or via webinars. All of our courses are available to be taken in a group setting, either onsite or via a webinar. Not all courses are available to take online. On each of the corresponding course description pages you will find an indicator letting you know if a course has an online option for delivery.
  • course availability. While most of our introduction level courses are open to the general public, our core and advanced courses will require that you register over the phone with The Fraud Practice prior to taking the course online. Due to the sensitive nature of some of the material in these courses, we will need to verify and authenticate students that are looking to take these courses.
  • fraudblog newsletter. Do you want to be the first to know about new training courses becoming available? If so you should subscribe to our free Fraudblog Newsletter.
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did you

Card present (CP) versus card not present (CNP) transactions.

Consumer-present (CP) and consumer-not-present (CNP) are a spin on the credit-card industries’ definition of payment transactions. The credit card industry describes purchases as being either “card-present” or “card-not-present.” The difference between the two is the presence of the physical card. If a merchant processes a transaction in which the consumer physically gives the card to process the order, the transaction is considered card-present. If the merchant doesn’t take physical possession of the card to process the order, such as in the case of a telephone order, it is considered a card-not-present transaction.  Our training courses will be talking about fraud from any payment type, but the concepts of card present and card not present still hold true; thus the reason for the generalization of the concept to CP and CNP. It is important to understand the fraud-prevention techniques used in the CP world do not translate to the CNP world. There are a number of books and training courses available for preventing fraud in the CP space, but very few resources for the CNP space. The specific payment options and fraud-prevention techniques discussed in these courses are designed specifically for the CNP space and will provide far better results for merchants in their CNP channels.


program overview

      • SCORM compliant
      • Available 24x7
      • Practice quizzes, progress tracking
      • Final Exams
      • Certificates of completion
      • Fast reliable online presentation
      • Easy to use and understand
        • Courses are broken down into 10 to 20 minute lessons to make it easier to find the time to complete the lessons with a busy schedule


  • Read Moreecommerce merchant fraud signals.

    In this session we first define different types of Merchant Fraud then address many signals high risk merchants may show while providing examples for each. This session additionally considers many different signals that can be present when using various anti-fraud tools.

  • Read Moretalking to merchants about managing ecommerce fraud in a business.

    Learn how to convey a management perspective on theories, best practices and methods to manage fraud with ePayments.  This session covers fraud exposure with ePayments, methods to balance and optimize risk exposure, methods to measure the health of a risk mitigation program; as well as methods to set a more productive mindset for risk mitigation in a company.

  • Read Moreintroduction to ecommerce merchant underwriting considerations.

    Attendees of this course can expect to learn about the factors and traits of a merchant that influence their level of risk, the various controls acquirers use to mitigate risk and how mandating certain controls can restrict the pool of potential merchants, as well as learning about many sources and techniques for verifying ecommerce merchants coming from all over the world.

  • Read Moreintroduction to ecommerce credit card payments.

    Covers the credit card process flow defining each of the "payment players"; reviews payment concepts such as authorizations, settlements, reversals, chargebacks and the credit card association's high risk programs.