Manual Entry

Manual Entry — sometimes referred to as hand keyed — refers to the process of manually entering credit card information for a transaction, instead of swiping the card through a reader or using a chip reader. This method is commonly used for phone or mail order transactions where the card is not physically present.

While it allows for flexibility in accepting payments, manual entry can have higher processing costs due to increased risk of fraud or error. Merchants sometimes use this method in a face-to-face retail setting as well, for instance, if their card reader is malfunctioning.

However, this should be avoided whenever possible, as manually entered transactions are often viewed as higher risk by the card networks and may be subject to higher processing fees. It is also more prone to human error and could lead to mistakes in the transaction amount or the card details.