A Mail Order/Telephone Order (MOTO) payment is a card-not-present transaction where the shopper gives you their card details by mail or by phone, and you process the payment. When the shopper gives you their card details, they give you permission to process a payment.
Common use cases for MOTO payments include the following:
- A food service business that accepts payments for takeaway orders by phone.
- A travel agency that processes payments in a call center.
You can make a MOTO payment through your Customer Area or a payment terminal.
How it works
A MOTO transaction begins when the shopper agrees to give you their card details to make a payment.
- The shopper gives you their card details by mail or by phone.
- You use the shopper's card details to make the payment.
- You inform the shopper of the payment outcome.
Risk of fraud
A MOTO payment has higher risk than a payment where the shopper is present, because the payment details are given by mail or by phone. This increases the risk of fraud and is less secure than when the shopper enters their payment details and initiates the payment.
Because of the higher risk, you are liable for all chargebacks, and defending a dispute is difficult.
Next steps
You can accept a MOTO payment in the following ways.