LIMITED CAPACITY - Domestic U.S. Research Peptide Merchant Accounts Now Available | Startups Included

MOTO Processing We Support

Not every customer pays online. Some call, some mail, some prefer a human voice. That’s where MOTO payments shine. MOTO touches every corner of your business:

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Benefits of MOTO Payment Merchant Processing

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Accessible for All Customers

Serve clients who prefer phone communication or don’t have online access.

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Flexible Payment Options

Accept payments anytime through a virtual terminal.

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High-Ticket & Recurring Sales

Offer personalized service that builds trust and encourages upselling.

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MOTO Payment Processing FAQs

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    What are MOTO payments?

    MOTO (Mail Order/Telephone Order) payments let merchants process card transactions remotely by manually entering card details into a secure virtual terminal.

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    How do MOTO payments work?

    • The customer provides their payment information by phone or mail.
    • You enter it into your virtual terminal.
    • The payment is authorized in real time.
    • Funds settle next business day.
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    How are MOTO payments different from CNP transactions?

    All MOTO transactions are card-not-present (CNP), but not all CNP transactions are MOTO. MOTO specifically refers to mail orders and telephone orders.

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    Why are MOTO and CNP payments considered higher risk?

    Verifying the buyer’s identity is harder when the card holder isn’t present. This increases your risk of chargebacks.

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    How can I prevent MOTO payment fraud?

    • Enable AVS and CVV verification
    • Obtain electronic signatures for orders through Docusign
    • Train your staff to recognize suspicious behavior
    • Record consent of payment for every phone transaction (where its allowed)
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    Are processing fees higher for MOTO transactions?

    The card brands will charge a slightly higher interchange rate for card-not-present transactions.

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    What types of businesses use MOTO payments?

    • Call centers
    • Catalog and mail-order sellers
    • Service-based businesses
    • B2B and recurring billing providers
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    Can MOTO payments be used for recurring billing?

    Yes, if you maintain recorded or written consent.

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    Do I need a special merchant account for MOTO?

    Yes. You’ll need a card-not-present merchant account that’s PCI compliant.

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    Why should I choose AllayPay for wholesale credit card processing?

    We offer transparency with no hidden fees. We’ll hold your hand and guide you every step of the way to ensure your merchant account is PCI compliant and ready to process MOTO payments.

    Ready to process remote payments confidently while keeping your data, customers, and profits safe? Contact us today to get started with MOTO payments.

What People are Saying About AllayPay

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If you’re looking for a transparent merchant processor that provides competitive fees and excellent customer service, AllayPay is the company for you. We joined them in Aug. 2022 after getting fed up with extreme fee structures for CBD-based businesses that had horrible customer service. AllayPay patiently went through a detailed vetting process with us during which time they answered every question…

Sarah Brandon

CEO

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The AllayPay team has been fantastic! They worked with us from start to finish and customized a payment gateway for our company, Office Furniture Warehouse. It’s been over a year since we’ve been working with them now, and they are by far the most response company we’ve ever worked with. Thank you!

Bob Collins

Manager

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Understanding how important customer service is, and customer reviews, I searched for a local processing service that would treat us like my business was valued… If you are in business and seeking someone who values your business, then you only need to make one phone call to this organization and you will understand what customer service should be. I am very happy I reached out to AllayPay, you will be as well.

Kary McNeal

Owner

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AllayPay is by far the best merchant processing company I’ve ever dealt with. Jeff and his team spent days helping me get set up properly and answered all of my questions. They also helped me integrate my processing into QuickBooks Online by automatically updating the invoices as paid. With this new system, I’ve now saved 20 hours each month and over $15K each year. Thank you so much!

Yoav Hananya

Owner

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We were using Square and knew that our options were limited for traditional processing in our industry. Not only did AllayPay save us on processing fees, but they also set us up as fast as possible considering our unique circumstances. AllayPay was highly recommended, and we are very grateful that we choose to go with them. You won’t be disappointed!

Neil Shapiro

Owner

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My company was in the market for a new credit card possessor and POS system. We reached out to AllayPay on a whim, and that was the best decision we could have made! The entire team at AllayPay has given us top-priority treatment. The level of communication throughout the entire process was top-tier… We can’t recommend AllayPay highly enough!

Torri Verrilli

Manager

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Smart Payment Processing: Fast & Secure

Get ready for hassle-free payments with the latest technology. Same-day approvals, competitive rates, and dedicated support, all without long-term contracts.