Mail Order & Telephone
Order Processing
Secure MOTO payment processing for businesses that take orders and payments over the phone or by mail — without a physical card present.
Process Payments Without a Card Present
MOTO (Mail Order / Telephone Order) processing allows businesses to accept payment information over the phone or through written orders — without the customer physically presenting their card. This is essential for call centers, catalog businesses, and service companies that take bookings remotely.
ChargeAct provides MOTO merchant accounts with the right fraud controls and security measures for card-not-present environments.
Frequently Asked Questions
MOTO stands for Mail Order / Telephone Order. It refers to transactions where the cardholder is not physically present — the merchant manually enters card details received by phone or mail.
Card-not-present transactions carry higher fraud risk than in-person transactions. ChargeAct provides appropriate fraud controls and security measures for MOTO merchant accounts.
A virtual terminal is a web-based interface that allows you to manually enter card details to process a payment. It's the primary tool for MOTO processing.
Need a MOTO Merchant Account?
Apply today and get set up for secure mail order and telephone order processing.