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What's the difference between card present and card not present payments?

Card present payments are made with the card or phone at a card reader. Card not present payments are made without the card there, such as website orders and saved cards.

WithWine uses Stripe for both card present and card not present payments. In the reporting on the Orders screen, these payments are labelled WithWine Card Present and WithWine Card Not Present.

Card present

A card present payment is one where the customer's card or phone is physically at a card reader when they pay. For example:

  • A customer taps, inserts or swipes their card on a card reader at your cellar door.

  • A customer taps their card or phone on an iPhone using Tap to Pay on iPhone.

Card not present

A card not present payment is one where the card isn't at a card reader. For example:

  • A customer pays on your website.

  • Your staff type in a customer's card details for a phone order.

  • A saved card is charged automatically, for example for a club run.

Why the difference matters

Card present payments are verified by the card reader, so they're generally lower risk for fraud and disputes. Card not present payments rely on the card details alone. Reporting the two separately helps you see where your sales come from and reconcile your payouts.

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