Best Practices for Accepting MOTO Payments

May 8, 2019

MOTO payments are interesting payment types that many businesses use on a regular basis. Unlike in-person payments, the card and the cardholder are not present in MOTO payments, and unlike ecommerce payments, it is not the cardholder initializing the purchase or inputting information. There are a number of best practices for accepting MOTO payments, some of which you can learn below!

What Are MOTO Payments?

MOTO payments, or mail order / telephone order, are payments that are made in a card not present environment using one of the two aforementioned channels to begin the payment process. In most MOTO payments, credit card details are passed through to the business owner or employee to process through a payment terminal or online gateway. Given that the cardholder is not present when the payment is taking place, MOTO payments do not require a signature or PIN to complete the purchase.

Best Practices for Accepting MOTO Payments

It is important that business owners are attentive when processing payments, and have safeguards in place to ensure they’re accepting payments safely. Given that MOTO payments inherently have the challenge that the card and the cardholder are not present, there are a few best practices business owners should consider following.

Implement Evaluation Rules

Given that there is currently no technical way to confirm the true identity of the cardholder over the phone or through mail, business owners may want to consider implementing their own evaluation rules. These could be based on the nature of your business and the types of transactions you normally process, and knowing that something that sounds “too good to be true” may be just that.


When processing a MOTO payment, it’s important to use the few security measures available, one of which is AVS. AVS, or address verification service, will check to see if the address associated with the credit card is identical to the address you’re given to process the payment. This helps add an additional layer of confirmation that the cardholder is who they say they are, and can lower the risk of fraudulent transactions. When processing the payment through a virtual terminal, AVS is an option as you follow the form.


In addition to the AVS service offered on virtual terminals, CVV is another simple solution that can help business owners feel comfortable processing MOTO payments. By being able to confirm the CV of the card, there is better reason to believe the card is truly in the hands of the person using it. Remember however, CVV digits should never be written down, so having the digits read out over the phone and input directly into the virtual terminal is the safest option.

To learn more about different payment types, take the time to read our articles Business-Types That Could Benefit from Recurring Payments and The Many Ways Small Businesses Can Accept Secure Payments.

The information in this article is provided solely for informational purposes and is not intended to be legal, business or other professional advice or an endorsement of any of the websites or services listed. 

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