---
title: Card Not Present Verification
description: Validate that the person completing a card-not-present transaction is the legitimate credit card holder via facial biometrics and card ownership.
canonical: https://developer.unico.io/dual-api/products/regional-solutions/card-not-present-verification/index
locale: en
generated_by: markdown-export
---

# Card Not Present Verification

Validate that the person completing a card-not-present transaction is the legitimate credit card holder, combining facial biometrics with card ownership validation.

## What this product solves

In card-not-present (CNP) transactions — e-commerce checkout, phone or WhatsApp orders — there is no physical card or chip to confirm who is actually completing the purchase. This solution validates, from the **credit card number** and the **cardholder's CPF**, that the person finishing the transaction is the legitimate card holder, using facial biometrics or device metadata authentication. Validated transactions carry a **chargeback liability guarantee**: if a transaction validated by this solution results in an official chargeback due to a validation error, the customer may be reimbursed by Unico.

**Use this product when:**

- Your checkout needs to prevent card-not-present fraud at the top of the funnel, without adding heavy friction to legitimate buyers.
- Your anti-fraud system denies transactions you want to recover — via a manual analysis desk or a WhatsApp-based flow — instead of losing the sale outright.
- You want to onboard a customer's credit card into a digital wallet with verified card-holder identity, reusing biometrics already captured in another identity verification process.

**Do not use this product when:**

- The transaction is card-present (in-person, chip or contactless) — this solution is specific to remote, card-not-present scenarios.
- You only need to verify a person's identity, with no credit card involved — use a standard onboarding or authentication product instead.

## Capabilities involved

This **product** is powered by **[Card Not Present Verification](/developers/regional-solutions/card-not-present-verification)**, a dedicated **capability** for payment transaction and credit card validation — it is not composed from the identity verification capability pipeline described above, since it runs on its own REST API and authentication.

Card Not Present Verification offers two core building blocks:

- **[Payment transactions](/developers/regional-solutions/card-not-present-verification/integration/apis/api-reference/payment-transactions)** — validates a specific transaction made at checkout, ensuring it can be processed for that user.
- **[Credit Card Onboarding](/developers/regional-solutions/card-not-present-verification/integration/apis/api-reference/credit-card-onboarding)** — registers a user's credit card into a digital wallet with holder verification, optionally reusing biometrics captured by another IDCloud product.

## Prerequisites

- **Service account and OAuth2 access token** — see [Authentication](/developers/regional-solutions/card-not-present-verification/integration/authentication).
- **Sandbox (UAT) credentials** — see the Base URL notes in [API Reference](/developers/regional-solutions/card-not-present-verification/integration/apis/api-reference).

## Step-by-step implementation

Card Not Present Verification's integration flow covers authentication, transaction creation, controlling the capture experience (Webview, SDK, or Redirect), and checking the result via webhook or polling.

**Card Not Present Verification Integration Overview**

Step-by-step flow: authenticate, customize the experience, create a transaction, and handle the webhook notification.

## What's next

- **Explore the full Card Not Present Verification documentation** — product details, use cases, and API reference. See [Card Not Present Verification](/developers/regional-solutions/card-not-present-verification).
- **Set up webhooks** — receive result notifications asynchronously instead of polling. See [Webhook](/developers/regional-solutions/card-not-present-verification/integration/webhook).