The electronic payment industry classifies a merchant account as "Mail Order/Telephone" or “MOTO” when at least 30% of credit card sales are manually entered into the point-of-sale terminal. This is not the most cost-effective merchant account but it does provide merchants the convenience of accepting credit cards over the phone. Our ISOs and Agents may choose a two-tier, three-tier, or Interchange pass-through rate structure from our matrix table that can better price their merchants for key-entered transactions. The ISOs and Agents may determine an appropriate rate structure for the specific merchant based on various risk factors.

Merchant Benefits ISO & Agent Benefits MOTO Merchant Account Types Merchant Benefits ISO & Agent Benefits MOTO Merchant Account Types Merchant Benefits ISO & Agent Benefits MOTO Merchant Account Types

Short and simple order entry Convenience of accepting payments by phone Face-to-Face transactions not required Proof of payment before services/goods delivered Shorter account receivables Choice of credit card processing software or terminal Flexible rate pricing structure Higher profit margin Automated security flags Real-time risk management tools Businesses doing at least 30% keyed-enter transactions are considered "MOTO" merchant accounts Informecial Products/Services Florist Shops Home-Based Businesses Direct Mail Businesses Telemarketing Sales