Mail Order / Telephone Order Payments

A MOTO (Mail Order Telephone Order) payment is a debit or credit card payment that is taken via telephone or through the mail including the conventional postal service, fax, and email. The business collects the necessary card information and processes the payment using a secure web page which is also called a virtual terminal or payment gateway.

The virtual terminal connects to the merchant’s payment processor to authorise the payment which it does by connecting to the bank that issued the card (called the issuing bank) to the customer. The bank carries out security checks on the card and establishes whether there are adequate funds or available credit in the customer’s account. If the card is valid and funds are available, a message is returned that the payment has been authorised, otherwise a payment declined message is transmitted.

The system then provides the merchant with an authorisation number which enables them to print a receipt.

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