Guide
MOTO means the card is not in your hand. It is common and legitimate, and it needs more care.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
MOTO means the card is not in your hand. It is common and legitimate, and it needs more care.
When a customer reads a card number over the phone or on a form, you are processing a card-not-present transaction. These carry more fraud risk and usually cost more, because the usual protections of chip and tap are missing.
Good MOTO practice is mostly about verification and records.
A virtual terminal, not paper.
Name, billing address and security code.
Right away, to the customer.
Order details and communications.
A catering company takes orders by phone. Using the virtual terminal with verification and a same-day receipt keeps disputes rare.
None of this needs to be memorized. The practical habit is to know which questions to ask and to keep a recent statement where you can find it, so a call to your processor is short and specific.
Owners tend to run into this when something changes: a new device, a new way of selling, a bigger month. Those are the moments to reread the agreement and ask what, if anything, moves.
The goal of a page like this is not to make you an expert. It is to make the next conversation with a processor or a salesperson shorter, because you know which question to ask and what a straight answer sounds like.
Talk to a person at (305) 384-8391. Describe your counter, your busiest hour and how customers pay, and we will recommend the lightest setup that does the job, with installation and training on site.
The simplest control on a phone order is a read-back: repeat the amount, the last four digits and the billing zip to the customer before submitting, and record who took the order. For repeat customers, a card on file with written authorization removes the need to read a number aloud at all. Make sure the person taking orders has a script and a clear boundary on what they may promise.
As explained by Merchant Fund Express. Updated 2026.
Because the risk is higher without the card present.
Ask us; some setups require MOTO to be enabled.
Yes, when used properly.
Keep documentation to respond.
There is no published price list because the right number depends on your volume, card mix and devices. Call for a personal quote and a free rate review.
Call (305) 384-8391 and describe how you sell. We will recommend the lightest setup that does the job and tell you honestly if something you were considering is not needed.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
