How to avoid cardholder not present risks

However, for many golf clubs and pro shops debit & credit card payment security is an issue when taking orders over the phone or via email. A May 2020 report stated 55% of credit card purchases took place via card not present (CNP) transactions. Unfortunately, this increasing trend has also resulted in more CNP fraud.

Most golf clubs still take payment details over the telephone. It is hard not to, as easier solutions have not been available.

Did you know risks

PCI security


how you can mitigate and avoid it

We’ve developed automated telephone system to handle payments over the phone, securely and fully PCI compliant that also interacts and updates you member management system. That means members can call a dedicated number, we will securely verify they are who they say they are, take payment and update their account without any back office effort.

What is a card-not-present transaction?

A card-not-present (CNP) transaction occurs when neither the cardholder nor the debit/credit card is physically present at the time of the transaction. It’s most common for orders that happen remotely — over the phone or by internet, or email.


A transaction is only considered to be “card present” if payment details are captured in person, at the time of the sale.

Protecting cardholder data

Debit & credit card fraud remains a major problem that costs merchants, consumers, and financial institutions billions of dollars every year. Many factors are involved in protecting cardholder data, and the risks are different for card present and card not present transactions.


While chip-enabled EMV cards have largely delivered on their security promises for card present fraud, chip cards don’t have the same effect on fraud that occurs on card not present transactions.


When cardholder data is stolen, there may be an immediate financial loss, compliance failures may result in fines, and a company’s brand can be seriously tarnished in the eyes of customers – sometimes beyond repair.

Card-not-present (CNP) fraud

As more and more consumers choose the convenience of buying online over traditional brick-and-mortar retailers, CNP fraud continues to become a larger problem.


CNP fraud has risen sharply during the COVID-19 pandemic. CNP statistics show that it is THE major source of card fraud by far.


Payment Card Industry Data Security Standard (PCI-DSS)


The Payment Card Industry Data Security Standard (PCI DSS) stipulates that companies should have systems in place to safeguard the credit and debit card details of customers.


The PCI Data Security Standards provides a good overview for protecting cardholder data (see #7 for detailed information on PCI).


The ultimate CNP fraud Protection MEANS finding the right payment partner. nooQ Golf we have been advising banks, retailers for years on PCI-DSS and fraud systems which we have not only industry regulations, knowledge we know the systems and processes which can help your business improve customer experience and reduce the risk of fraud.

How nooQ Golf Solves PCI Compliance

Data Breach Prevention: Remove cardholder data access from your organization preventing data breaches.


Safe: Level 1 PCI compliant solution that bolts onto an organization’s existing processes enabling them to take compliant payments over the phone for card payments.


Savings: Eliminates expensive infrastructure costs, cumbersome processes and auditing required to maintain PCI compliance when done internally.


Efficient: Auto-attendant eliminates the need for agents to take payments over the phone. Telephony integration can reduce the amount of time required for agents to stay on the line with the customer by up to 3 minutes/call by transferring the customer into the auto-attendant.


Flexible: Agents can stay on a call during the payment process if desired to ensure customer completes the payment process.


Compliant: DTMF tones are muted so credit card information isn’t heard by a live agent or heard on a recorded call.


Convenient: Provides the 24% of customers who don’t pay online the ability to make a secure payment that makes it simple to reconcile automatically & electronically.


Agnostic: Can be integrated with any Merchant Services Provider and all golf billing management systems, accounting and reporting systems.

Implemented in Days

Our secure, cloud hosted systems can be implemented in days on your existing web-site and membership systems, allowing you to focus on running your golf club with less headache, reduced fraud risk and more peace of mind.