Card-Present vs Keyed Review
Card-present and keyed transactions do not carry the same operational signal.
When card-present activity shifts toward keyed or manual entry, payment cost, dispute exposure, and processor classification can change.
CertumCore reviews available transaction-path evidence to help businesses understand whether card-present, keyed, online, invoice, or stored-payment behavior changed.
The issue is not whether manual entry exists. The issue is whether the transaction path changed and whether anyone noticed.
What this review can identify
- card-present versus keyed/manual transaction mix
- changes in transaction path across periods
- workflow sources of keyed entry
- fee movement tied to transaction handling
- dispute or fraud visibility concerns
- processor statement evidence of transaction mix
Why this distinction matters
A business can still receive successful payments while transaction handling quietly changes underneath the surface. If more activity becomes keyed, manual, online, or stored-payment based, the operational and cost profile may change.
CertumCore reviews the records available to determine whether the transaction path appears consistent with expected behavior.
What CertumCore provides
- baseline view of transaction-path behavior
- plain-language explanation of observed mix
- review of fee movement tied to transaction handling
- follow-up guidance where workflows may need correction
Frequently asked questions
Is this the same as keyed transaction review?
It is closely related. This page focuses on comparing card-present and keyed behavior; the keyed transaction review page focuses more directly on manual/keyed exposure.
Are keyed transactions always wrong?
No. Some keyed transactions are legitimate. The question is visibility, proportion, cause, and whether the behavior changed.
Does CertumCore need full card numbers?
No. CertumCore does not need full card numbers or raw cardholder data for this review.
Request a review
Email a recent processor statement, settlement report, fee summary, screenshot, or rough monthly numbers. CertumCore can usually begin with one statement.
Request Review