MOTO solutions

MOTO Merchant Account and Payment Processing

Mail order/telephone order payment processing

A MOTO (Mail Order or Telephone Order) merchant account is perfect for merchants looking to process orders made by mail or telephone. E-commerce and retail stores should consider MOTO merchant accounts for credit card processing. Many companies in these industries see high rates of MOTO payments.

Zen Payments is the best choice for accepting MOTO payments. We have years of experience helping merchants accept MOTO payments. We'll get you set up with a MOTO merchant bank account and ready to accept MOTO payments within one to two weeks.

Get started with Zen Payments

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Understanding risk

Why Are MOTO Merchant AccountsConsidered High-Risk?

If you've accepted MOTO payments, you may have faced holds or even been shut down just for taking credit or debit card payments. That's because many merchant services and payment processing companies consider MOTO payment processing high-risk. The main reason it has the designation is because the credit card isn't present when transactions are made. This type of credit card processing puts the payment processor at risk of dealing with a higher rate of chargebacks and potential fraud.

Choose a High-Risk Payment Processor

To ensure your MOTO merchant account stays active, you'll need to work with high-risk payment processors who regularly provide merchant accounts to MOTO businesses. They'll understand the risks and provide tools to mitigate fraud and chargebacks. These types of merchant services providers typically charge higher processing fees, but you'll have peace of mind knowing your account is secure and you won't face holds.

Chargeback prevention

Chargeback Prevention &Merchant Services

If you are a high-risk merchant or in a high-risk industry, you may have found it difficult to find a payment processor who will work with you. This makes it impossible to accept credit card payments.

Zen Payments is different. We have years of experience working with high-risk merchants. We'll get you set up with a merchant account, payment gateway, and whatever type of processing your business needs to be successful, whether that's a virtual terminal or a Point-of-sale system. Process payments and set up recurring billing with our payment processing solutions.

Virtual terminal

Set Up aVirtual Terminal

Secure processing

Set Up Secure Credit Card Processing forMail Order Telephone Transactions

Our strengths

What Are the Benefits of aMOTO Merchant Account from Zen Payments

Prevent Potential Theft

Generate detailed reports to track inventory more effectively and identify potential retail theft. You can also integrate your ordering and purchasing systems seamlessly.

Affordability

As specialists in high-risk retail payment solutions, we offer competitive pricing without excessive charges or fees. Our services are tailored to fit your budget, no matter the size or scope of your business.

Smoother Transactions

We minimize checkout friction—those inconsistencies or distractions that disrupt the process—ensuring your customers enjoy seamless transactions that keep them coming back.

Partnership With Over 15 Financial Institutions

We proudly collaborate with a network of over 15 banks and financial institutions, allowing us to find the ideal long-term partner for your MOTO merchant account.

Dependable Customer Support

Whether you're new to MOTO payments or have used them for years, our experienced support team is here to help. We're available by phone during regular business hours to answer questions and solve issues, with 24/7 email support ensuring prompt responses.

Why Zen Payments

Why Choose Zen Payments as Your MOTO Merchant AccountProvider and Payment Processor?

At Zen Payments, we're experts in payment processing with over 15 years of experience in the e-commerce industry. When you set up an e-commerce merchant account with us, you're partnering with a company that truly understands the ins and outs of MOTO merchant services. We'll get you up and running quickly, even if you're in a high-risk category, so you can start accepting debit and credit card payments within weeks.

Get Started Today!

Answers before you apply

Frequently Asked Questions

A MOTO transaction stands for "Mail Order / Telephone Order." It's a method for accepting payments where the payment card details are provided over the internet, phone, fax, or mail instead of in person.

You need a MOTO merchant account because the card is not physically present, these transactions carry higher risk, so a dedicated MOTO merchant account is required to process them safely and compliantly.

Zen Payments adheres to the Payment Card Industry Data Security Standard (PCI DSS) to protect credit card information. We use encryption, tokenization, and authentication tools to ensure data security for every card transaction. For additional fraud protection, we support Address Verification Service (AVS) and real-time validation of card information.

If your business model requires regular, ongoing charges (like subscriptions or installment plans) you can enable recurring payments via your MOTO merchant account. Once you have a customer's permission, subsequent payment details can be processed automatically and securely using tokenized references.

Yes, our payment system can be integrated with most major platforms such as Shopify, WooCommerce, Clickfunnels, Magento and more. Our payment system supports both online shopping and brick and mortar transactions using payment terminals, card readers, and POS devices. We offer a robust API so you can connect software, web browser checkouts, or internal systems to handle MOTO data processing seamlessly.

Since MOTO transactions carry greater risk, they often come with higher interchange fees or security premiums. The exact cost depends on your currency, transaction volume, and industry. We strive to keep pricing transparent and affordable for your business.

When accepting payments over phone or fax, you can issue digital invoices to customers containing payment links. The customer enters their payment card details via a secure web portal—or you can manually key them in through a virtual terminal. Tokenization ensures sensitive data is never stored in plain text.

Yes. Whether you're a small operation or a chain with multiple point of sale locations, MOTO accounts support scalability. You can integrate mail-order systems, telephone orders, secure online shopping portals, and even in-person sales under one infrastructure.

Still have questions? Contact our support team

Customer experience

Enjoy a ZenCustomer Experience

We know that businesses that accept mail-order telephone payments often face challenges with other payment processing providers. While some may turn you away because of card-not-present transactions, we welcome your business. We value every customer and understand the unique obstacles you encounter. With Zen Payments, you can focus on meeting your customer's needs and growing your business—we'll handle the payment processing for you.

Worried about getting approved? We work with new merchants with a short credit history and lack of financial statements. We have a 98% approval rating and work with all major credit card providers, so we'll get you through the application process and accepting MOTO payments in no time!

Need a merchant
account?

If you're seeking a payment processing platform that can positively impact your business, Zen Payments is here to assist. Get started today by contacting us online or calling our merchant services specialists at 877-715-4501. We'll get you approved quickly so you can accept online payments within a couple of days.