Phone/Mail Order

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Phone/Mail Order Accounts

While mail order and telephone phone orders (MOTO) do not account for the same large share of business transactions as they did in the past, MOTO orders are still very important to many businesses. A MOTO account allows retailers as well as telephone and mail order companies to accept credit cards securely over the phone or through the mail.

At Express Merchant Accounts (EMA), we make MOTO merchant services cost-effective and simple with competitive rates. Set up a MOTO account with no set-up or application fees to begin accepting major credit cards within one day.

What is a MOTO Account?

A Mail Order/Telephone Order (MOTO) merchant account works like a conventional online merchant account as both offer card-not- present (CNP) processing. This means credit and debit card information is entered manually instead of swiping a card. Both merchant accounts also have a rate structure that is based on card-not- present transactions.

MOTO accounts offer solutions for a variety of merchants:

  • Remote companies that want to boost sales without an online business
  • Mail order and phone order companies
  • eCommerce businesses that want to offer a more personal ordering experience along with internet sales
  • Merchants without a brick-and- mortar retail facility

Many merchants opt for a virtual terminal MOTO account, which is also the most affordable option for accepting phone and mail orders. A virtual terminal can be run on the merchant's computer to allow the merchant to manually enter customer payment information and process the payment remotely. A virtual terminal can be part of a more complete payment gateway system that gives you the flexibility to connect a website shopping cart with your merchant account.

While virtual terminals are the most common tool to process cards, a basic credit card machine or point of sale terminal may also be used to manually enter credit card information.

Understanding MOTO Account Rates

Mail and telephone orders do have higher pre-transaction fees than transactions in person as card networks consider these card-not- present transactions a higher risk because the merchant cannot verify the card. This means there is a higher risk of fraud and chargebacks and MOTO account rates are a bit higher to reflect this risk.

Other factors may also affect your rate structure. This may include your Average Ticket Size (AVT), purchase volume, and the type of service or product you offer. Some services and products have a higher chargeback rate (or customer dispute rate) that increases risk.

Get Started with a Phone/Mail Order Account Today

Mail and phone order merchant accounts offer a convenient and secure way for customers to make payments. Merchants can enjoy greater sales while reducing costs, especially for merchants who do not want the cost of online payment processing.

Expert Merchant Services can help your business accept mail and phone order payments at an affordable rate to grow your business and offer greater convenience to your customers. Contact us today to learn more about setting up a MOTO merchant account with no upfront costs.