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Create MOTO payments

Last updated: January 19, 2023

A mail order or telephone order (MOTO) payment is a transaction carried out by mail order or over the phone. These payments carry an increased risk to your business in the following ways:

  • MOTO payments don't pass through authentication - as you can't confirm the identity of your customer for orders received by mail or over the phone, it's harder to defend the order against chargebacks. This means you're likely to end up covering the loss.
  • Responsibility for restitution if you've accepted a fraudulent payment.
  • Higher processing rates per transaction - credit card processors pass the increased risk associated with processing MOTO payments on to the merchant, resulting in higher fees.

To help avoid the risks associated with MOTO payments, consider using Payment Links instead.

Set up a MOTO payment

MOTO payment eligibility will be determined at processing channel level during onboarding. To be able to create manual payments or payment links, you will need the create payments permission. If you need to create MOTO payments for a disabled processing channel, contact us at

Setup process:

  1. On the Payments list, select Create payment to open the MOTO form.
  2. Complete the form by entering the payment details, and select a capture window. All fields on this part of the form are mandatory, except for the CVV value.
  3. Optionally, add a reference to help you find the payment easily in future.
  4. To add more information for a payment, select Add customer details. You will be able to enter a shipping and/or billing address, as well as a customer email address.
  5. Once you have completed the form, click Submit. Your payment will be visible in the Payments list after a few moments.