Why This Happens
Square has detected an elevated rate of card-not-present (CNP) fraud on your account. CNP transactions (online, phone, keyed-in) carry higher fraud risk because the physical card isn't present. When fraudulent transactions or disputes spike, Square restricts CNP processing to limit financial exposure.
Example Notification
"Your Square account has been restricted for card-not-present processing due to elevated fraud rates."
Compliance Steps
Review all flagged CNP transactions to identify fraudulent vs. legitimate
Implement AVS and CVV verification for all online transactions
Add velocity checks and suspicious transaction alerts
Provide delivery confirmation for all CNP orders
Contact Square with your fraud prevention plan and evidence
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