MOTO or Mail Order - Telephone Order accounts are processed at a higher transaction rate compared to retail accounts and are used when credit cards cannot be physically swiped. MOTO accounts were originally created to address the credit card processing needs of mail order companies who receive all of their sales by mail or telephone.

The fastest-growing segment of credit card use today is in "card-not-present" transactions in which a customer makes his or her purchase by Mail Order, Telephone Order (MOTO), Facsimile, or via the Internet instead of being physically present at the merchant's location. These types of transactions are popular with call center's, delivery services and services.

There’s more to accepting credit cards than just giving customers another way to pay. With AMG, you can get setup and running in a matter of a day. Our application process makes it easy to apply. You can submit an application online, by fax, or by meeting with a sales representative at your business location. Your application will be approved almost immediately, your account will be activated, and if you're buying or leasing new terminal equipment, it will arrive in just a
few days.

If you want to process credit cards for Internet, telephone, or mail order transactions, you'll need a merchant account specifically designed for that purpose. Why? Because you never take physical possession of a credit card so that you can swipe it through a magnetic strip reader, or processing terminal. different cards use different criteria for evaluating risk and have different fee structures for card-not-present transactions.