Payment Processing for Mail Order and Telephone Order Businesses
Who Needs MOTO Processing
- Call centers and telephone sales businesses
- Direct mail and catalog retailers
- Insurance and financial service firms collecting recurring premiums
- Subscription box and mail-order product companies
- Professional service firms billing clients by phone
- Nonprofits collecting donations by phone or mail
- Any business where customers are not present during payment
What We Provide for MOTO Merchants
Virtual Terminal
Our virtual terminal lets you securely key in card details from any internet-connected device. There is no physical terminal required. Your staff enters the card number, expiration date, and security code through a secure web interface and processes the transaction directly. It is the most practical tool for phone-based payment collection.
Card-Not-Present Account Configuration
MOTO accounts need to be configured for card-not-present risk from the start. We make sure your merchant account is set up under the right MCC code with the correct processing rules so your transactions are handled properly and you are not flagged for unusual activity simply because your customers are not swiping in person.
Address Verification Service
AVS matches the billing address entered during a transaction against the address on file with the card-issuing bank. This is a standard fraud prevention tool for card-not-present transactions. We make sure AVS is enabled and functioning on your account.
Fraud Prevention Tools
Card-not-present transactions carry higher fraud risk than in-person sales because there is no chip or physical card verification. We configure your account with appropriate fraud screening tools, including CVV verification and velocity filters, to reduce unauthorized transaction attempts.
Recurring Billing
If you charge customers on a regular basis, our recurring billing setup automates that process. You store the card securely and the system charges it on the schedule you define. This works well for subscription products, service retainers, and installment billing.
Detailed Transaction Records
Our reporting gives you a record of every transaction, including the date, amount, card type, and authorization code. This is especially important for MOTO businesses where disputes can arise from customers who do not recognize a charge. Clear records help you respond to chargebacks with documentation.
Why MOTO Businesses Choose TransNet
- Virtual terminal for secure phone and mail order payment collection
- Account configured correctly for card-not-present transactions from day one
- AVS and CVV fraud prevention tools enabled by default
- Recurring billing for subscription and installment-based revenue models
- Chargeback support and dispute guidance
- Experienced team that understands the compliance environment for MOTO accounts
Managing Chargebacks in MOTO
Opening a new business? Reach out to us.
Contact us today and let us know what your business needs. We will walk you through your options and put together a setup that works for you.