MOTO Payment Processing

A person with a laptop and papers in front of them and talking on a phone.
Josh Phelps
September 27, 2023

MOTO, which stands for "Mail Order/Telephone Order," is a vital facet of modern payment solutions, providing businesses with a versatile tool to accept payments through various channels, from the traditional mail-order method to telephone transactions and even online payments.

In this article, we'll embark on a journey to understand the intricacies of MOTO payment processing, explore its benefits, and shed light on how it can empower businesses in today's digital era.

What Is MOTO Payment Processing

Before delving into the benefits, let's navigate through the terrain of MOTO payment processing itself. Essentially, it's a system that allows businesses to accept payments when the cardholder isn't physically present.

This is particularly handy when customers want to make purchases via telephone or send in orders by mail or email. MOTO payment processing involves the manual entry of card information, such as the card number, expiration date, and CVV code, into a secure payment gateway. Unlike face-to-face transactions, where you can use card readers, MOTO payments rely on the accuracy of data input by the merchant or their staff.

A person using a payment terminal and a phone.

MOTO Recurring Transactions

Now, let's take a pit stop and understand how MOTO recurring transactions work. Whether you're running a brick-and-mortar store, an e-commerce platform, or a business that predominantly operates through telephone orders, MOTO payments offer a lifeline to diversify your revenue streams. Receiving payments each month is a great way to grow your business and get a steady revenue stream.

Thanks to MOTO processing, you can securely accept their payment over the phone and keep billing them to the extent your contract states. As a tool, it's akin to having a virtual register at your disposal which you can charge like a subscription billing merchant account.

Security For Phone Payments

As with any payment method, security is a paramount concern, especially in the digital age where data breaches are increasingly prevalent. MOTO payment processing doesn't cut corners in this regard. In fact, it adheres to stringent security standards to ensure that sensitive cardholder data remains safeguarded.

Merchants are required to comply with Payment Card Industry Data Security Standard (PCI DSS) guidelines, which entail implementing robust security measures, encrypting data, and regularly monitoring and auditing systems for vulnerabilities. This comprehensive security framework guarantees that customer information remains shielded from potential threats.

Benefits of High RIsk Payment Processing

One of the standout advantages of having a high risk merchant account is its accessibility. Unlike some alternative payment methods, MOTO doesn't necessitate customers to have an internet connection, making it an inclusive option for a broader customer base. Moreover, MOTO payments can be seamlessly integrated into your existing payment infrastructure, reducing the need for costly overhauls and ensuring a smooth transition into this payment processing mode.

Furthermore, MOTO payments bolster your ability to provide top-notch customer service. Whether a customer prefers placing an order over the phone or sends it via email, MOTO processing ensures you can accommodate their preferences. This flexibility can translate into improved customer satisfaction and loyalty, which, in turn, can drive repeat business and positive word-of-mouth recommendations.

Next Steps To Open Your MOTO Account

By enabling payments through various channels and ensuring stringent security measures, MOTO empowers merchants to expand their reach and provide a seamless payment experience for customers.

So, as you navigate the winding roads of the e-commerce landscape, don't forget to consider the MOTO option—it might just be the turbo boost your business needs to accelerate toward success in today's digital era.

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Josh Phelps is an experienced sales professional with eight years of expertise, including four years in payment processing. Throughout his career, Josh has successfully secured approvals for thousands of businesses, demonstrating his skill in navigating and optimizing the payment processing landscape.

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