Card not Present Credit Card Processing

Credit card acceptance is the most effective way to accept payment for companies accepting payments for their services or products by mail order and/or telephone order. Setting up a merchant account provides a way to collect payment from customers without the customer ever being present.  This means that you collect credit cards in an environment where the customer and credit cards are not physically present at the time of purchase. Another term used for this is ‘card not present credit card processing’.

Typical mail/phone order VS. Mail order or telephone order account (MOTO) - Merchant Account

Typically, businesses in industries that accept payments primarily over the phone or by having the customer mail-in payment had to wait weeks to get paid for their services.  Now, businesses that never see their customers face-to-face can receive fast payment by taking credit cards over the phone.  Businesses can get real-time authorizations and know that they are going to get paid.

A mail order or telephone order account (MOTO) is similar to setting up a retail account.  The business owner will need to submit the same application and obtain credit card processing equipment or software in order to process credit card merchant processing or transactions.  The main difference is that in a MOTO account, the credit cards are rarely or never swiped.  The information is typically taken over the phone by the business owner and entered manually into credit card processing equipment or software.

Higher Benefit with Lower Risk – Premier Mail/Phone order Credit Card Processing

If the account is set-up the right way, a MOTO account can be very beneficial and relatively low-risk to the business owner.  Premier recommends our secure virtual payment gateway for all MOTO businesses.  

Please fill out our online application or call us directly at 800.573.6268 for more information about obtaining a MOTO merchant account for your business.