MOTO (Mail Order / Telephone Order) Credit Card Processing
MOTO (Mail Order / Telephone Order) Credit Card Processing
MOTO credit card processing is used when customers provide their card information remotely, typically over the phone or through a mail-in form. The business manually enters the card information into a virtual terminal or POS system—this is called a card-not-present transaction.
MOTO credit card processing is used when customers provide their card information remotely, typically over the phone or through a mail-in form. The business manually enters the card information into a virtual terminal or POS system—this is called a card-not-present transaction.
Top 5 Benefits of Our MOTO
Where It's Used
Call centers Service-based businesses (plumbers, consultants, contractors) Medical & dental offices Freelancers Subscription services Nonprofits (for donations) Small businesses without an online checkout system
How It Works
Customer Provides Card Info Over the phone or in writing (via mail, invoice, etc.), the customer shares their credit/debit card details. Merchant Enters Info Manually You (or your staff) input the card data into a virtual terminal or payment portal provided by your merchant processor. Processor Requests Authorization The transaction is submitted through the card network (Visa, Mastercard, etc.) to the issuing bank for approval. Transaction Approved/Declined The result returns in seconds. If approved, the funds are queued for deposit. Settlement and Funding Like other payment types, funds typically hit your account within 1–2 business days.
Why MOTO Processing Matters
Ideal for Remote Payments Not all businesses operate in-store or online. MOTO gives you a reliable way to accept payments from afar. No Website Required Perfect if you don’t want to set up a shopping cart or e-commerce site. Great for Recurring Clients Especially for professional services, coaching, home services, etc.—you can bill returning customers on file. Supports Invoicing + Phone Orders Flexibility to accept payments right after a service is delivered or during a phone consultation.
Things to Know
Slightly Higher Fees Because card-not-present transactions carry more fraud risk, MOTO rates are typically a bit higher than in-person. Chargeback Prevention is Key Keep clear records, email receipts, and confirm details before billing to reduce disputes.
Security Benefits
Card-not-present transactions come with higher fraud risk, but the right security tools reduce exposure: Address Verification Service (AVS): Verifies the billing address matches the cardholder’s address. CVV Verification: Requires the 3- or 4-digit code on the card for added protection. Tokenization & Encryption: Securely stores or transmits data, shielding it from breaches. PCI Compliance Tools: Many processors offer built-in security checks to keep your business compliant with industry standards.
How it Works
Customer Initiates Payment: Customer inputs card or payment details (e.g., Visa, Apple Pay) on your site/app. API Sends Payment Request: The Payment API collects the data and sends it (encrypted) to the Payment Gateway. Gateway Communicates with Processor: The gateway passes info to the Payment Processor (e.g., First Data, Stripe, WorldPay). Processor Contacts Issuing Bank: The card’s issuing bank is contacted to check: Validity Sufficient funds Fraud detection Approval or Decline Returned: If approved, a transaction ID is sent back. If declined, a code is returned explaining the issue. Settlement: Funds are eventually transferred (typically in 1–2 business days) from the customer’s account to the merchant’s merchant account or bank account.
Shopping Cart Plugins
Our shopping cart plugins make it easy to connect secure payment processing to your existing e‑commerce platform. With simple installation, you can accept credit cards, debit cards, and digital wallets directly from your site’s checkout page. We support popular platforms like WooCommerce, Shopify, Magento, and more—keeping transactions seamless, fast, and fully PCI‑compliant.
Secure Vault
Our Secure Vault stores your customers’ payment details in an encrypted, PCI‑compliant system—so sensitive data never lives on your servers. Tokenization replaces card numbers with secure codes, allowing you to process future transactions or recurring payments without re‑entering information. It’s a safe, convenient way to protect data, reduce fraud risk, and build customer trust.
Card Updater
Our Card Updater keeps your customers’ stored payment details current by automatically updating expired, reissued, or replaced cards. This reduces failed transactions, protects recurring revenue, and minimizes the need for manual outreach. It’s a simple way to keep subscriptions, memberships, and repeat billing running smoothly without interruptions.
Virtual Terminal
Our Virtual Terminal lets you accept payments from any device with an internet connection—no physical card reader required. Simply log in, enter your customer’s payment details, and process transactions instantly. It’s perfect for phone orders, invoices, or remote sales, with full encryption and PCI compliance to keep data secure.
How it Works
Customer Initiates Payment: Customer inputs card or payment details (e.g., Visa, Apple Pay) on your site/app. API Sends Payment Request: The Payment API collects the data and sends it (encrypted) to the Payment Gateway. Gateway Communicates with Processor: The gateway passes info to the Payment Processor (e.g., First Data, Stripe, WorldPay). Processor Contacts Issuing Bank: The card’s issuing bank is contacted to check: Validity Sufficient funds Fraud detection Approval or Decline Returned: If approved, a transaction ID is sent back. If declined, a code is returned explaining the issue. Settlement: Funds are eventually transferred (typically in 1–2 business days) from the customer’s account to the merchant’s merchant account or bank account.
Shopping Cart Plugins
Our shopping cart plugins make it easy to connect secure payment processing to your existing e‑commerce platform. With simple installation, you can accept credit cards, debit cards, and digital wallets directly from your site’s checkout page. We support popular platforms like WooCommerce, Shopify, Magento, and more—keeping transactions seamless, fast, and fully PCI‑compliant.
Secure Vault
Our Secure Vault stores your customers’ payment details in an encrypted, PCI‑compliant system—so sensitive data never lives on your servers. Tokenization replaces card numbers with secure codes, allowing you to process future transactions or recurring payments without re‑entering information. It’s a safe, convenient way to protect data, reduce fraud risk, and build customer trust.
Card Updater
Our Card Updater keeps your customers’ stored payment details current by automatically updating expired, reissued, or replaced cards. This reduces failed transactions, protects recurring revenue, and minimizes the need for manual outreach. It’s a simple way to keep subscriptions, memberships, and repeat billing running smoothly without interruptions.
Virtual Terminal
Our Virtual Terminal lets you accept payments from any device with an internet connection—no physical card reader required. Simply log in, enter your customer’s payment details, and process transactions instantly. It’s perfect for phone orders, invoices, or remote sales, with full encryption and PCI compliance to keep data secure.