“Card present” describes the transaction pathway. It means the transaction occurred at a physical terminal.

It does not prove who inserted the card or whether the card was obtained legitimately.

👉 How It Happens: Shimming & Chip Reader Compromise

Michael F. Cardoza, Esq.
Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.