MOTO Credit Card Processing

Many businesses find it effective to accept customer payments over the phone, whether it is for a product that will be shipped to customers or for the payment of an invoice already created.  In this environment, the most effective way for businesses to accept credit cards and debit cards is to open a Mail Order/Telephone Order (MOTO) account with NPC. Since a card is not physically present and swiped, additional data is required for security purposes at the time of sale to protect you from fraud or potential chargebacks.

NPC recommends that you obtain this data in an effort to earn the lowest possible rates and protect yourself from potential chargebacks.

  • Cardholder name
  • Card number
  • CVV / CVV2
  • Expiration date
  • Street address number and zip code

In a card-not-present setting, using the appropriate software or terminal can help you obtain the lowest possible “key-entered” rates by following the prompts for the address verification service (AVS).  AVS assists in minimizing your risk of fraudulent cardholder activity.  We highly suggest that you obtain a signature via mail or fax next to the payment amount whenever possible.  A signature is the best method to help you minimize the risk of potential chargebacks.

There are many ways to operate in a MOTO credit card processing environment:

Online Gateway/ Virtual Terminal – NPC Secure

  • Similar to a face-to-face environment; you simply key enter the card data.  Capturing additional cardholder details assists you in getting the best possible rate in a MOTO credit card processing environment.
  • If you sell products and have a website, a virtual shopping cart will allow you to sell through your website as well as over the phone.  NPC Secure also offers a payment method that offers a "Pay Now" button on your website for product purchases.
  • Address Verification Service (AVS) compares the stated address of the cardholder with the shipping address on the order - minimizing your risk of accepting a fraudulent card.

Touch Tone Capture / Automated Response Unit (ARU)

  • Process cards anytime, anywhere with a telephone
  • Upfront costs are nominal, thus great for a traveling and/or start-up business
  • Easy to follow telephone voice prompts for key-entering data
  • Manual imprinters are suggested for card imprint & cardholder signature
  • Online reports are available when you are ready to reconcile
  • Charges per transaction are higher than a swiped transaction due to increased risk of fraudulent cards being accepted

Terminal or PC software

  • Similar to a face-to-face environment, you just key-enter the card data. Capturing additional cardholder details assists you in getting the best possible rate for a MOTO credit card processing environment.


If you manually invoice your customers and wait for them to return a paper check or cash for payment at their convenience, you can increase your cash flow and decrease your costs by accepting payments electronically.  NPC can assist you in collecting funds more quickly and without the hassle of creating invoices, monitoring non-collectibles, spending additional time on paperwork, and reaching out to customers to track down their payments. 

NPC can be your consultant regarding the latest technology and tools for MOTO debit card and credit card processing. Contact Us