MOTO payments

A mail order / telephone order (MOTO) payment is a card payment that you take on the customer's behalf. The customer gives you the card details by phone, email, or mail, and your operator enters them. The customer is not on your website, so the payment cannot go through 3-D Secure (3DS).

You mark such a payment with the moto_type parameter. MOTO works in S2S CARD and Checkout.

Before you start

• Enabled for your MID. Your account manager enables MOTO for your MID (merchant ID), and your acquirer must accept MOTO payments on it. One MID can process both MOTO and regular payments.
• Sales and authorizations only. Send moto_type in SALE in S2S CARD (including auth=Y) or in the Checkout Authentication request. DEBIT and recurring requests do not take it.

Send a MOTO payment

Add moto_type to the payment:

moto_type	Use it for
phone_moto	A card payment taken by phone.
email_moto	A card payment taken by email.
default_moto	A MOTO payment when you do not specify the channel.
ecommerce	A regular online payment. This is the same as not sending moto_type.

In S2S CARD, send moto_type in the SALE request with the card data. card_cvv2 is optional for a MOTO payment.

In Checkout, send moto_type in the Authentication request and open the payment page for your operator, who enters the card data. The page does not ask for the card verification code (CVV).

What changes for a MOTO payment

• No 3DS by Payment Platform. Payment Platform does not start the MPI service configured for your account.
• Routing. Payment Platform sends the payment only to your MIDs with MOTO enabled. If none of them has it:
  • S2S CARD returns error 204025 MOTO transactions are not enabled for this merchant.
  • Checkout does not offer card payment on the page. If card is the only payment method, the Authentication request fails.
• In the result. For a MOTO payment, moto_type comes back in the SALE response, in the callback, and in the status response.

What's next

• SALE parameters in S2S CARD
• Checkout overview
• Card-on-File payments: charge a saved card without the customer.