Mail order and telephone order (MOTO
) businesses are less common today than they were when the credit card processing industry first came into being, but there are still plenty of solutions to help MOTO merchants securely accept credit cards. MOTO merchants operate in a card-not-present
environment, meaning that they will be manually entering rather than swiping all of their customers’ payment information. This also means that MOTO merchants will pay higher per-transaction fees, as credit card networks consider card-not-present transactions to be riskier than card-present
transactions. The cheapest and most common option for MOTO merchants is a virtual terminal
, which runs on the merchant’s PC and enables the merchant to type in customers’ card numbers and process their payments remotely. Most virtual terminals are capable of processing payments securely, storing transaction information for future billing, setting up recurring billing schedules, and invoicing customers for services owed. However, the pricing and customer service that accompanies each virtual terminal can vary dramatically.
That’s why we’ve compiled the following list of the top merchant accounts
for MOTO merchants. All of the providers on this list can supply virtual terminals and other options for processing keyed transactions remotely. More importantly, though, all of these providers are known to offer fair, competitive pricing and quality customer service according to merchants and third-party reviewers. The best way to ensure that you receive the best pricing and the right product for your business is to contact multiple providers on this list and compare services.
Best MOTO Merchant Accounts
Host Merchant Services
is a Newark, Delaware-based merchant account provider that is well-suited for MOTO, e-commerce, and high risk merchants. The company’s products and services include online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance
, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to new merchants who require them.
Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB
gives Host an “A+
” rating, and CPO also gives the company an “A+
Based in Woodland Hills, California, PaymentCloud
is a merchant account provider that specializes in serving high risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. These services allow merchants to charge on-site or bill online. For these reasons, PaymentCloud is a good option for MOTO merchants who process their payments through a virtual terminal as opposed to a storefront.
PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A
Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant offers a virtual terminal for MOTO merchants as well as a comprehensive dashboard for tracking all payments and customers.
Fattmerchant offers multiple pricing plans with different rates. Merchants can select either a plan that charges a flat fee on all transactions or a plan that charges a fixed monthly fee plus a fixed per-transaction dollar amount above interchange. In other words, merchants can choose whether or not they are charged a percentage markup on each transaction. Fattmerchant currently has an “A
” rating on CPO and an “A+
” rating with the Better Business Bureau.
is a privately owned Chesapeake, Virginia-based merchant account provider that has been in business since 1998. The company’s most suitable payment option for MOTO merchants is its virtual terminal, which is offered as part of its Quantum Payment Gateway
and includes AVS
, recurring billing, payment tokenization, hosted checkout, Authorize.net
emulation, API integration, and ACH
processing. CDG’s Quantum Gateway is provided for free alongside the company’s merchant account, which means that merchants will not pay any monthly or per-transaction fees just to have access to a payment gateway.
CDG Commerce offers fixed per-transaction fees on its merchant accounts with month-to-month contracts and no early termination fees
. The company has maintained a sterling reputation among card-not-present merchants since it was founded and has kept the same ownership during that time. Our review of CDG Commerce gives the company an “A+
” rating, and the Better Business Bureau also gives CDG Commerce an “A+.”
) is a highly rated all-purpose merchant account provider headquartered in Chicago, Illinois. Founded in 2009, the company offers a virtual terminal that enables merchants to accept payments from any web-enabled device, QuickBooks integration, ACH payments, real-time form field validation, check scanning devices, a USB card swiper, and payment tokenization for future or recurring billing.
Payline Data offers interchange-plus
pricing to all of its merchants with no long-term contracts or early termination fees, and this pricing structure has produced a steady stream of positive merchant reviews for the company ever since we first reviewed it. Our review of Payline Data gives the company an “A+
” rating at this time, while the BBB
gives Payline an “A
Based in Austin, Texas, Easy Pay Direct
is a merchant account provider that can serve both traditional and high risk business types with its proprietary virtual terminal and payment gateway. Easy Pay Direct’s virtual terminal enables processing from any internet-connected device and also includes QuickBooks integration, USB swiping, payment tokenization, ACH processing, and automated recurring billing. The company’s payment gateway also includes a feature called “load balancing,” which reduces credit card declines by routing keyed-in transactions through one of several partner banks.
Easy Pay Direct customizes its pricing based on each merchant’s business type and only enforces an early termination fee when a merchant requires offshore processing. The company enjoys a clean complaint record across all consumer forums, which is uncommon for high risk providers. Our review of Easy Pay Direct gives the company an “A
” rating at this time, while the BBB gives Easy Pay Direct an “A+
Based in San Francisco, California, Dharma Merchant Services
is a highly rated merchant account provider that is a great low-cost option for MOTO merchants. The company’s products and services include mobile device payment processing, an online payment gateway and virtual terminal (Authorize.Net), QuickBooks integration, small business financing, and custom fundraising pages for non-profits. The company extends special pricing to non-profit organizations and donates a percentage of its profits to non-profits of its choosing every year, which makes it a good fit for socially conscious organizations. Dharma is best suited to provide savings for merchants who process over $10,000 per month.
Dharma scores highly in our review and elsewhere due to its positively reviewed customer service, transparent marketing practices, competitive interchange-plus rates, and fair service agreements. The BBB currently assigns a rating of “A+
” for Dharma Merchant Services, while CardPaymentOptions.com also gives the company an “A+
Founded in 1987, Netcom PaySystem
is an all-purpose merchant account provider headquartered in Roswell, Georgia. Netcom PaySystem can provide credit card processing via a virtual terminal for traditional and high-risk MOTO merchants. The company’s virtual terminal offers a USB card reader attachment, digital receipts, refunds, recurring billing, payment tokenization, and manual batch uploads.
Netcom PaySystem offers interchange-plus pricing to all of its standard-risk merchants with no early termination fees, PCI compliance fees
, annual fees, or monthly minimums
. Pricing may vary for high risk merchants depending on each merchant’s business type, size, and processing history. Our review of Netcom PaySystem currently gives the company an “A+
,” and the BBB also gives Netcom an “A+