{"title":"Mail Order\/Telephone Order (MOTO) payments","category":"default","creationDate":1733844780,"content":"<p>A Mail Order\/Telephone Order (MOTO) payment is a <a href=\"\/pt\/get-started-with-adyen\/adyen-glossary\/#card-not-present-cnp\">card-not-present<\/a> 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.<\/p>\n<p>Common use cases for MOTO payments include the following:<\/p>\n<ul>\n<li>A food service business that accepts payments for takeaway orders by phone.<\/li>\n<li>A travel agency that processes payments in a call center.<\/li>\n<\/ul>\n<p>You can make a MOTO payment using your Customer Area, an API request, or a payment terminal.<\/p>\n<h2>How it works<\/h2>\n<p>A MOTO transaction begins when the shopper agrees to give you their card details to make a payment.<\/p>\n<ol>\n<li>The shopper gives you their card details by mail or by phone.<\/li>\n<li>You use the shopper's card details to make the payment.<\/li>\n<li>You inform the shopper of the payment outcome.<\/li>\n<\/ol>\n<h2>Risk of fraud<\/h2>\n<p>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.<\/p>\n<p>Because of the higher risk, you are liable for all chargebacks, and <a href=\"\/pt\/risk-management\/understanding-disputes\/\">defending a dispute<\/a> is difficult.<\/p>\n<h2>Next steps<\/h2>\n<p>You can accept a MOTO payment using the following.<\/p>\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/unified-commerce\/mail-order-telephone-order\/customer-area\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><div class=\"next-steps__title\">Customer Area<\/div><p class=\"next-steps__body\"><p>Use Virtual Terminal in your Customer Area to make a MOTO payment.<\/p><\/p><\/a><a href=\"\/unified-commerce\/mail-order-telephone-order\/api-request\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><div class=\"next-steps__title\">API request<\/div><p class=\"next-steps__body\"><p>Make an API request to start a MOTO payment.<\/p><\/p><\/a><a href=\"\/point-of-sale\/mail-and-telephone-order-moto\/\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><div class=\"next-steps__title\">Payment terminal<\/div><p class=\"next-steps__body\"><p>Enter the shopper's card details on a payment terminal to make a MOTO payment.<\/p><\/p><\/a><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/unified-commerce\/mail-order-telephone-order","articleFields":{"description":"Accept payments by mail or telephone.","feedback_component":true,"filters_component":false,"decision_tree":"[]","page_id":"115a9f5c-9567-44d3-a845-0661d60ca0eb","last_edit_on":"10-12-2024 16:33"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/unified-commerce\/mail-order-telephone-order","title":"Mail Order\/Telephone Order (MOTO) payments","content":"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.\nCommon use cases for MOTO payments include the following:\n\nA food service business that accepts payments for takeaway orders by phone.\nA travel agency that processes payments in a call center.\n\nYou can make a MOTO payment using your Customer Area, an API request, or a payment terminal.\nHow it works\nA MOTO transaction begins when the shopper agrees to give you their card details to make a payment.\n\nThe shopper gives you their card details by mail or by phone.\nYou use the shopper's card details to make the payment.\nYou inform the shopper of the payment outcome.\n\nRisk of fraud\nA 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.\nBecause of the higher risk, you are liable for all chargebacks, and defending a dispute is difficult.\nNext steps\nYou can accept a MOTO payment using the following.\n\nCustomer AreaUse Virtual Terminal in your Customer Area to make a MOTO payment.API requestMake an API request to start a MOTO payment.Payment terminalEnter the shopper's card details on a payment terminal to make a MOTO payment.\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Omnichannel","lvl2":"Mail Order\/Telephone Order (MOTO) payments"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/unified-commerce","lvl2":"\/pt\/unified-commerce\/mail-order-telephone-order"},"levels":3,"category":"Omnichannel","category_color":"green","tags":["Order\/Telephone","Order","(MOTO)","payments"]}}