what does card not present on pending transactions mean
A card not present transaction (CNP, MO / TO, Mail Order / Telephone Order, MOTOEC) is a payment card transaction made where the cardholder does not or cannot physically present the card for a merchant's visual examination at the time that an order is given and payment effected. It's most commonly used for payments made over Internet, but also mail-order transactions by mail or fax, or over the telephone.