MO/TO (mail/ telephone order)
(Card payment at POS terminal)
MO/TO payments enable merchants to manually enter a customer’s card details into a virtual terminal or POS system, making them a convenient solution when online or in-person payments aren't feasible. Since these transactions do not require PIN or card chip verification, they carry a higher fraud risk, so businesses must implement strict security measures like CVV checks and address verification (AVS).
Example: A small boutique hotel receives a booking over the phone from an international traveler. Since the customer is not present, the receptionist manually enters their card details into the system to secure the reservation. This ensures the payment is processed without requiring an online booking platform.
Who is it recommended for?
MO/TO (Mail Order/Telephone Order) payments are ideal for businesses that accept customer payments without a physical card present. This method is particularly beneficial for hotels, travel agencies, subscription-based services, and mail-order businesses, where customers provide their payment details remotely. Additionally, B2B suppliers who process orders via phone or email can use MO/TO transactions to streamline payments without requiring an online checkout system.