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Credit Card Processing Solutions

Retail | Restaurant | Moto | Wireless

MOTO (Mail Order / Telephone Order) Credit Card Processing

Mail and Phone Order Processing Solutions

The fastest-growing segment of credit card use today is in "card-not-present" transactions in which a customer makes his or her purchase by mail order or telephone order (MOTO), by facsimile, or via the Internet instead of being physically present at the merchant's location.

If you want to process credit cards for Internet, telephone, or mail order transactions, you'll need a special merchant account specifically designed for that purpose. Because you never take physical possession of a credit card so that you can swipe it through a magnetic strip reader, both Visa and MasterCard use different criteria for evaluating risk and have different fee structures for card-not-present transactions.

Suggested Credit Card Processing Equipment

Software Solutions

MOTO Processing TIPS

Get an early start setting up your account. You don't want to be left unable to take orders when your mail or phone order business is ready to go.

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MOTO Processing TIPS

It is tempting to go to your local bank, but they probably don't have the experience and are ill-equipped to suggest the right equipment for you. Your best bet is to go with ClearChoice from the start and take advantage of our vast expertise in this area.

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MOTO Processing TIPS

MOTO rates are generally less than retail processing rates, so double check your bill when it arrives. Classifying yourself as the right "merchant type" is critical to keeping your fees low.

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MOTO Processing TIPS

Be sure to get the zip code from your customer as well as the three-digit CVV2 number on the back of the credit card.

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MOTO Processing TIPS

Close out your batch every night.

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