MOTO processing stands for “Mail
Order/Telephone Order” processing. It is
a Card – not – present type of service
which means that the credit card need
not be physically present, just the
details of the credit card will do.
Sometimes, you need the personal details
for verification purposes.
MOTO card processing is done by giving
the details of the credit card over
phone, fax or email. The convenience
that it offers comes with many security
A MOTO transaction can be completed in 3
ways: a) Virtual Terminal b) POS
Software and c) Touch Tone Processing.
Virtual Terminal is the
common and most popular method for MOTO
processing because it is very versatile
and cost effective. The virtual terminal
allows the merchants to enter the order
and the credit card information directly
from their web store. The shopping cart
application will have a virtual terminal
integrated with it. This terminal is
given for free with some processing
accounts, offshore merchant accounts and
high risk merchant accounts.
POS Software means “Point
of Sale” software. This is a special
software application that is installed
on the online merchant’s computer. When
the customer provides his credit card
details through the phone, the merchant
enters those details in this software
for further processing. This mode needs
a computer and an active internet
connection to process credit cards.
Touch Tone Processing is
completed over the telephone and does
not require any manual keying in of
data. When the order is placed and the
merchant receives the customer’s credit
card details, he has to dial the credit
card processor and key in the numbers
through the keypad for verification and
completion of the transaction. This is a
very simple method for processing of
credit cards which does not require the
computer or an internet connection.
The primary benefits of credit card
processing using MOTO are mobility and
security. This type of processing is
reported to have lesser number of
fraudulent transactions because not many
fraudsters have the courage to call an
When is comes down to costs, the MOTO
processing is costly in a few cases for
a few ecommerce merchants. The Virtual
Terminal is the cheapest service and
most appropriate for most businesses.
Using the Virtual Terminals, credit
cards can be processed from any part of
the world provided you have access to
the internet. Therefore, an online
merchant will not have to worry about
processing credit cards while he is on a
holiday or a business trip.
The primary disadvantage of the Dial
Tone processing mode is the high
telephone bills that you will have to
pay at the end of the month. If you are
on a holiday then you will have to pay
much higher bills.
The POS software is very expensive
making it affordable only to rich
merchants. However, it provides more
details regarding transaction statistics
compared to virtual terminals.
The MOTO processing is a good
alternative payment mode that you should
offer to your customers. Contact
one of our helpful account
representatives to assist you in the
high risk merchant account or
offshore merchant account for a
high risk merchant.