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No federal law shields "transaction and experience" information—mainly the details of your bank and credit-card accounts.

没有联邦法律保护“交易和体验”信息——主要是你的银行和信用卡账户的详细信息。

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Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a card not present transaction (CNP).

当然，现在很多商家接受电话口头授权和网络电子授权，就是常说的离线交易（CNP）。

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PayPal unit, charge nonprofits a 2.2% fee plus 30 cents per transaction solely to process donations, while others like FirstGiving charge 7.5%, including credit-card transaction fees, to manage online fund-raising campaigns.

WSJ: Fee Bite for Web Donations

It does not include ATM withdrawals, cash advances against a credit card, a check issued in connection with a payment card, or any transaction in which a payment card is accepted as payment by a merchant or other payee who is related to the issuer of the card.

FORBES: New Credit Card Reporting Requirement Worries Some Taxpayers

That in-between moment, Wallaby has determined, is the ability to use one intelligent card that, once swiped, automatically chooses the best card to charge in each transaction, based on the card holders preferences.

FORBES: Check In to Maximized Credit Card Rewards With Glyph