MOTO payments

Have you heard or been asked about MOTO payments and want to find out more? You’ve come to the right place.

Read on to discover what MOTO payments are, how they work and why they can be beneficial to you and your business.

What is a MOTO payment?

A MOTO payment is a debit or credit card payment that’s taken over the phone, by post, fax or email – in other words, when the customer isn’t present.

MOTO payments – so named because they refer to Mail Order/Telephone Order payments – require the merchant to take a customer’s credit or debit card information and process payment using a secure web page (also known as a virtual terminal or payment gateway) or through their point of sale card machine.

Two people working at desk with laptops open and paper documentation on the desk

How do MOTO payments work?

Here’s how to accept MOTO transactions in through a virtual terminal in five simple steps:

  1. Log in to your virtual terminal online via a computer, laptop or mobile device
  2. Key in the customer’s name, postal address, email address and card details
  3. The transaction will be submitted to the customer’s bank for authorisation
  4. Once it’s approved, you’ll receive confirmation and the customer will be emailed a receipt
  5. You’ll receive payment within a few working days (as you would for payments processed via a credit card reader)






Accepting MOTO transactions through a card terminal is simple, too:

  1. Enter the sale amount onto your terminal
  2. Key in the customer’s long card number, expiry date and CVV2 code
  3. Select the ‘Customer Not Present’ option
  4. The transaction will then be submitted for authorisation
  5. Once it’s approved, the terminal will display a standard success message
  6. You’ll receive your money at the end of your standard settlement period

What is a MOTO account?

To accept MOTO payments, you need to have a MOTO merchant account. If you want to take only MOTO payments, you can use a stand-alone merchant account. If, like many businesses, you plan to also accept payments through an e-commerce site, you can opt for a payment gateway that lets you process both online and MOTO transactions.

Person using a laptop

What is the difference between a normal merchant account and a MOTO merchant account?

The main difference is that most normal merchant accounts take payments via a Chip and PIN terminal or PDQ machine. These are ‘customer present’ payments and are generally considered to be more secure than MOTO payments.

What are the benefits of MOTO payments?

Here’s why accepting MOTO payments can be beneficial to you and your business:

  • Your customers have a fast, secure way to pay for goods and services
  • You can reach a wider customer base, who can’t, or prefer not to, pay in person
  • You can expand your sales operations, meaning you can take payments from anywhere in the country
  • MOTO payments are easy to accept – all you need is access to a POS terminal, or a virtual terminal with internet access and a computer, laptop or mobile device
  • You and your employees can access the virtual terminal and process payments from multiple locations
  • You can take payments via major credit and debit cards, including Visa, Mastercard, Maestro and American Express

How much do MOTO payments cost?

To take MOTO payments, you’ll need to pay ‘card not present’ (CNP) fees. These are additional costs for payments made when the customer isn’t present. MOTO transactions are seen as less secure, so the fees can be higher than what you’d pay to process payments when the customer is there.

The exact costs will vary depending on which merchant service provider you use, so keep this in mind when choosing yours.

Why would your business need to take MOTO payments?

In summary, accepting MOTO transactions means you can be more flexible when it comes to where and how you process transactions for your customers – therefore reducing potential barriers to them buying from you.

If you want to find out more about MOTO payments and how they can help you and your business, get in touch with us today.

Person holding a card to pay online via laptop

Financial disclaimer:

Terminal hire contracts are provided by Merchant Rentals Limited, who is authorised and regulated in the UK by the Financial Conduct Authority (FCA) for Consumer Hire under FRN 720500. Terminal hire can be for consumer hire and non-regulated hire contracts. Please check your contract carefully for details. Regulation of all consumer hire fall under the control of the FCA.

Handepay Ltd is authorised and regulated by the FCA for Consumer Credit under FRN 673564. Handepay is a credit broker for consumer hire not a lender.

Handepay acts as an introducer of card acquiring services on behalf of EVO Payments UK, the card acquiring service provider. EVO Payments UK is the trading name of EVO Payments UK Ltd, a payment institution that is authorised and regulated by the Financial Conduct Authority (FRN number 959332).

Existing Cards Businesses- The one-month rolling terminal hire contract from Merchant Rentals is only available to businesses that are switching from their current acquirer to EVO Payments UK arranged through Handepay.

New to Cards Businesses- The 12-month terminal hire contract from Merchant Rentals is only available to businesses that are new to card payments and wish to receive acquiring services from EVO Payments UK, arranged through Handepay.

The Next Day Banking Settlement service provided by EVO Payments UK incurs an additional fee of £4 a month on top of your acquiring service charges and fees. Provided your card machine performs a reconciliation before 12am (midnight), you’ll receive settlement of funds the next banking day.

Editorial disclaimer:

The information we provide does not constitute financial advice and might not apply to your business. Always carry out research into your business’ needs when choosing a new merchant services provider.

Sometimes, we link to other third-party websites to provide you with additional information. At the time of publication, we consider the information accurate, however, we do not have control over their content and are not responsible if any information on these websites change.

The products we display on our website are for illustrative purposes only - if your business requires additional facilities, you may receive a different model than advertised.

All of the information contained on this website, including fees, services and functionality, are correct at time of publishing. E&OE.