MOTO Merchant Services Anne Arundel County, MD

Stop Overpaying For Phone Orders

Get proper MOTO setup with secure virtual terminals, fraud protection, and competitive rates designed for mail and telephone order businesses across DC, Virginia, and Maryland.

MOTO Payment Processing Solutions

Built For Remote Payment Processing

Our MOTO merchant services let you accept credit card payments over the phone, by mail, or fax without customers being physically present. Perfect for call centers, catalog retailers, service businesses, and nonprofits across DC, Virginia, and Maryland. You key in customer payment details through our secure virtual terminal, and we handle authorization, fraud protection, and settlement. No website required – just an internet connection and browser access.

Mail Order Telephone Processing Benefits

What You Get With Proper Setup

Avoid retail merchant rates and get the security features you need for card-not-present transactions.

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Secure Virtual Terminal Processing Anne Arundel County, MD

Security That Actually Works

Card-not-present fraud has jumped 44-48% since 2019, but proper security measures make the difference. Our PCI-compliant virtual terminals include address verification, CVV checking, and fraud detection tools that protect both you and your customers. You’re not just getting a way to process payments – you’re getting a system designed to minimize chargebacks and keep your merchant account in good standing. Because with card-not-present transactions, you’re liable for fraud losses, not the bank.

Key Entered Transaction Support

Everything You Need For MOTO

Our MOTO merchant accounts include virtual terminals, chargeback prevention tools, and dedicated support for businesses that key in at least 50% of their transactions. Whether you’re running a call center, catalog business, or service company, we have the tools to keep your operations running smoothly. You get wide payment acceptance for all major credit and debit cards, plus eChecks and ACH transfers. And if you handle B2B transactions, our Level 2 and 3 data processing capabilities help lower your commercial card rates.

Moto Merchant Services FAQs

Common Questions About Our Service

What's the difference between MOTO and retail merchant accounts?

MOTO accounts are specifically designed for businesses that key in credit card information from phone, mail, or fax orders where the card isn’t physically present. Retail accounts are for in-person transactions with card readers. If you’re set up incorrectly as retail but processing mostly phone orders, you’ll pay higher interchange rates. MOTO merchants should key in at least 50% of their transactions to qualify for proper classification and better rates.

How do you protect against fraud with card-not-present transactions?

We use multiple layers of fraud protection including Address Verification Service (AVS) that matches billing addresses, CVV verification codes, and real-time fraud detection monitoring. Our PCI-compliant virtual terminals encrypt all payment data, and we provide detailed reporting to help you spot suspicious patterns. Since you’re liable for chargeback losses with MOTO transactions, these security measures are essential for protecting your business and maintaining your merchant account in good standing.

Can I use MOTO processing without a website?

Yes, you don’t need a website for MOTO processing. Our virtual terminal works through any secure web browser with an internet connection, so you can process phone and mail orders from your office computer or mobile device. This makes MOTO perfect for service businesses, call centers, and catalog retailers who take orders over the phone but don’t have full e-commerce sites. The virtual terminal handles everything from payment entry to authorization and settlement.

What types of businesses use MOTO merchant services?

MOTO is ideal for call centers, catalog retailers, nonprofits accepting donations, service professionals like consultants and contractors, food delivery services, and any business that regularly takes orders by phone or mail. It’s especially valuable for businesses with seasonal volume spikes, B2B companies processing large transactions, and organizations that need to accept payments remotely without requiring customers to visit a website or physical location.

How much do MOTO transaction fees cost compared to regular processing?

MOTO transactions typically have higher interchange rates than card-present transactions due to increased fraud risk, but proper account setup and our cost control features help minimize these expenses. We offer competitive rates with transparent pricing, and our Level 2 and 3 data processing can actually lower your costs on commercial credit cards. The key is avoiding retail classification, which would result in even higher fees. We ensure you’re set up correctly from the start to get the best possible rates for your transaction volume.

What happens if I get chargebacks with MOTO transactions?

With MOTO transactions, you’re responsible for chargeback losses since there’s no liability shift like with chip card transactions. That’s why our chargeback prevention tools and dedicated support team are so important. We help you implement proper verification procedures, maintain detailed transaction records, and respond effectively to disputes. Our fraud detection tools and security measures significantly reduce chargeback risk, and we provide guidance on best practices to keep your chargeback ratio within acceptable limits to protect your merchant account.