MoTo

Mail Order / Telephone OrderProcessing

Card-not-present transactions taken over phone, mail, or fax, where the merchant manually keys in card details. Higher interchange than card-present but lower than e-commerce. Common in travel, B2B services, and certain regulated verticals.

In practice.

MOTO transactions are keyed in from mail or phone orders, cannot use 3DS and carry full merchant fraud liability. Acquirers underwrite MOTO share explicitly, and a high keyed-entry ratio on an e-commerce account is a red flag. Keep MOTO volume declared and segregated.

Related terms: Card-Not-Present · Card-Present

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More terms in this category.

Card-Not-Present Card-Present Force-post Hard decline Refund Reversal Soft decline