This is good information.

I have avoided using other card companies for this online shopping category because the definition can be broad. For example, Chase has a field, but it is defined more of a Card Not Present concept.

Some merchants run web transactions as CNP on their in-person processor versus using an online merchant processor. This should go away eventually as merchant processing rules get more strict.

Citi also seems to be applying some exclusions based on MCC. Obviously, we hope that will not be the case here, but possible.