What kind of transactions are not included in a Card-Absent Environment?

In a Card-Absent Environment, transactions are characterized by the lack of physical interaction with the credit or debit card. This typically encompasses scenarios where the cardholder is not present to swipe, insert, or tap the card during the transaction process.

Transactions such as recurring transactions, mail order transactions, and deferred payments can all exist in a Card-Absent Environment because they do not require the physical presence of the card. Recurring transactions often involve automated payments that do not necessitate the cardholder's direct input of card information each time a payment is made. Mail order transactions, on the other hand, require card details to be communicated via mail or phone, also without direct physical card interaction. Deferred payments imply a mechanism where the payment is scheduled to occur later, allowing for transactions to happen without card presence at the point of sale.

Face-to-face transactions where the card is present distinctly fall outside of this category, as they require the physical card to be utilized by the cardholder at the time of the purchase. This physical interaction negates the possibility of it being classified as a Card-Absent Environment transaction. Thus, the correct answer reflects the only scenario where the card is indeed present during a transaction.