Mail Order/Telephone Order (MOTO) Definition

Merchant Account MOTO Explained:

What is MOTO? MOTO, or Mail Order/Telephone Order, is a type of card-not-present transaction in which services are paid for and delivered via telephone, mail, fax, or internet communication. Because MOTO transactions take place without the merchant or the card physically in the store, they are at a higher risk for credit card fraud than card-present transactions. MOTO merchants therefore will likely pay higher transaction rates to help offset the potential for disputed payments and chargebacks.

Although MOTO stands for “Mail Order/Telephone Order,” the diminishing popularity of those two technologies has resulted in MOTO being repurposed as a general term for all card-not-present transactions, including internet purchases.

About The Author

Phillip Parker

Phillip Parker is an independent card payment expert specializing U.S. and Canadian point-of-sale, e-commerce, and mobile payment acceptance. He has nearly two decades of experience in credit card processing as a journalist and consultant. Phillip is the creator of this website and has written over 1,500 articles covering numerous payment acceptance topics. He has also published critical reviews about most merchant services providers currently in operation.

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Phillip has consulted businesses of all sizes from mom-and-pop shops processing $10K per month to enterprise level organizations processing in excess of $300MM annually. His specialties include:

– Merchant Account Statement Auditing

– Rate & Fee Negotiation

– Processor & POS Selection

– Software Integrations

– Risk Assessment

– Fraud Prevention

– General Processing Advice

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Phillip has researched and reviewed over 1,000 merchant services providers over the last 15 years. He also owns multiple businesses that accept credit card payments. If you are looking for an ethical credit card processor that doesn’t hide fees or lock you into expensive contracts, see Phillip’s merchant account picks here.

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Phillip Parker