Tokenized CNP & Direct Bank Terminal Transfers

1. Overview

JMD Investment & Commodities Trading (JMDICT) facilitates secure, issuer-authorized transaction processing using tokenized Card-Not-Present (CNP) methods and direct bank terminal-to-terminal transfer mechanisms. These services are designed for institutional, B2B, and project-based transactions, not consumer retail activity.


All transactions are conducted within network-compliant and bank-led authorization frameworks, with enhanced verification and traceability applied at each stage.


2. Tokenized Card-Not-Present (CNP) Processing

JMDICT supports tokenized CNP transactions whereby card credentials are replaced with network-issued tokens, reducing exposure to sensitive card data and enhancing transaction security.

Key characteristics include:

  • Card data is never stored or transmitted in raw form
  • Tokenization is applied at the card network or issuer level
  • Authorization decisions are made by the issuing bank
  • Transactions are processed in accordance with applicable Visa and network rules


Tokenized CNP processing is used exclusively for pre-authorized, non-retail transactions and is subject to enhanced due diligence and verification procedures.


3. Direct Bank Terminal-to-Terminal Transfers

In addition to tokenized CNP processing, JMDICT facilitates direct bank terminal-to-terminal transfer structures where permitted. These transfers operate within bank-controlled environments and may involve:

  • Issuer-approved authorization codes
  • Bank-generated dynamic authorization mechanisms
  • Controlled settlement through licensed financial partners


Direct terminal-based transfers are institutional in nature and are not comparable to consumer point-of-sale activity.


4. Authorization & Risk Allocation

Across both processing methods:

  • Transaction authorization is issuer-led
  • The issuing bank serves as the primary risk and approval authority
  • Merchant or acquiring relationships function solely as technical routing and settlement endpoints
  • No credit, lending, or underwriting exposure is extended by JMDICT


5. Compliance & Security Controls

All transactions facilitated by JMDICT are subject to:

  • Enhanced KYC / EDD procedures
  • AML, CFT, and sanctions screening
  • Transaction monitoring and audit logging
  • Network-level security and compliance requirements



JMDICT maintains internal controls designed to meet or exceed industry and regulatory standards applicable to institutional transaction processing.


6. Use Restrictions

JMDICT’s tokenized CNP and direct bank terminal transfer services are not available for consumer retail purchases, subscription billing, or anonymous transactions. Services are provided strictly for identified counterparties and approved transaction purposes.


7. Contact Information

For inquiries regarding tokenized CNP processing or direct bank terminal transfers, please contact:

JMD Investment & Commodities Trading (JMDICT)
Phone: +44 7444 012762 | +1 868 319 4727
Email: director@jmduk.uk | jmd@jmdtrade.com

Support Hours: Monday to Friday, 9:00 AM – 5:00 PM (UK Time, GMT/BST)

Merchant Terms And Conditions