According to the Wikipedia
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 can not physically present the card for a merchant's visual examination at the time that an order is given and payment effected, such as for mail-order transactions by mail or fax, or over the telephone or Internet.Card not present transactions are a major route for credit card fraud, because it is difficult for a merchant to verify that the actual cardholder is indeed authorizing a purchase.
This issue has cropped up, and I confess at present we are only about 80% of understanding it.
Many of you offer a Western Union money service to your clients. Some of you are using your EFTpos to service this account to say debit a client's credit card for the payment. If you do use EFTpos in this way, essentially you are breaking your merchant service contract, which explicitly prevents merchants from accepting (motto) payments that are not in exchange for goods or services. In this case, the EFTpos terminal is accepting a card payment, for the funds to be redirected to Western Union.
If this is your standard business practise, then it should not be.
Customers who want to send money via Western Union should use cash.
A work around would be to do a cash out on the EFTpos and then do the Western Union transaction. However, you may need to check with your EFTpos provider over the fees for doing this. Note on Tyro EFTpos, cash outs are free. This may not be true on your system.
