How to avoid cardholder not present risks

For many golf clubs and pro shops debit & credit card payment security is an issue when taking orders over the phone or via email. 

Most golf clubs still take payment details over the telephone. Taking orders over the phone is hard because it’s an outdated, unsecure and non-complaint way of doing things, but we’ve got your back!

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.

Our new automated telephone payment system will securely take payments from members without anyone having to write down card numbers again (avoid cardholder not present risks)!

We can even update their account in real time – all through one dedicated number which securely verifies the member, captures the payment , verifies the amount/balance, processes the payment and updates the members account in seconds.

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

With 55% of credit card purchases now taking place via CNP transactions, and manual methods like phone reservations being too time-consuming for most clubs to handle effectively on their own – now many golf courses have turned automated telephone ordering systems into a way out. These new tools allow you as customer or employee at your local club access information about membership benefits while conveniently paying online using either debit/credit card.

The system we’ve created is fully compliant with PCI Data Security Standards.


Secure, automated and no back office admin required.


So for those members that don’t have email, don’t like online, don’t have a mobile we have a solution that makes it simple for them and for the club.

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.