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MOTO Payments

MOTO Payments
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Josh Phelps
April 24, 2023


MOTO payments are purchases made using standard mail or over the phone. Specifically, the acronym MOTO stands for mail order telephone order. The reason this type of payment is its own distinct method is because both of these types of purchases are considered card-not-present transactions.

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MOTO Merchant Account

A MOTO merchant account is a customized payment processing account for businesses who use card-not-present transactions through mail and phone. This is considered a high risk merchant account because of the added security vulnerabilities.

MOTO Merchant Accounts allow you to pay via mail

For example, if someone ordering over the phone may not be the person whose name is on the credit card. Alternatively, some customers who receive products with longer shipping times may regret ordering the item and ask for a refund. Nonetheless, you can obtain a MOTO merchant account by working with experienced credit card processors like Zen Payments who have a range of processing solutions.

Types Of Mail Order and Phone Order Businesses

There are numerous products that can be sold over the phone or via mail, and many of them work hand-in-hand. Here is a list of the main types of businesses that take advantage of this classic form of payment:

  1. As Seen On TV – This industry by far takes the cake in terms of MOTO transactions. Still going strong with sales, companies like the Home Shopping Network (HSN) make it their goal to get potential customers to call in and order products. Payment is made over the phone, and the product arrives by mail in 2-4 weeks.
  2. Health And Nutraceuticals – From testosterone pills, to age-reducing balms, many new products in this industry broadcast on standard cable channels and have special deals for customers who call in and order.
  3. Subscriptions and Magazines – Magazines and newspaper subscriptions still rely on standard mailing services to broadcast their message. Often, they’ll send an organized packet with a return-address, a prepaid envelope, and purchase options for the type of subscription you’re looking for. All you have to do is write a check.

Benefits Of MOTO Payments

Benefits of MOTO payments include being able to mail in payments

If you take payments over the phone or by mail, you open your business up to a range of new sales techniques and customer buying habits. From a payment processing standpoint, you’re giving the customer new options to pay with the method they find most convenient. As a result, you can have different channels for selling to customers and separate streams of revenue from unique campaigns.

Phone Order High Risk Credit Card Processing

Phone orders can be risky for your average business model, because there is a slight added fee to the transaction cost, and they are not the most secure. To elaborate, high risk credit card processing has seen many changes over the years with the adoption of ecommerce sales, but MOTO transactions remain a classic example of why imposing added security has been beneficial to both the customer and merchant.

In any case, mail ordering and phone ordering merchant accounts remain in high demand and processors will continue to supply businesses old and new with the resources they need to transact.

MOTO Card-Not-Present

Card-not-present transactions are exactly what they sound like, it means someone is paying for service without physically presenting their credit or debit card to the vendor. As you might figure, this is the opposite of a card-present transaction which is a standard in-person purchase where a buyer slides, taps, or inserts their card into the reader.

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Zen Payments


Our merchant service specialists are the best in the business and will work with you from start to finish to get your account approved!

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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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