High Risk Merchant Services - US, Canada, India, and UK

High Risk Pay Solution : MOTO Merchant AccountMOTO Merchant Accounts for Businesses in Canada, India, US, and the UK

With the near instant gratification of being able to order just about anything online, it’s hard to believe that there are still people out there who prefer to talk to an actual person when they order or would rather drop a check in the mail but it’s true. Many consumers feel that they aren’t tech savvy enough to feel comfortable ordering online while others prefer not to give their personal information online for security reasons.

For these consumers and for merchants who take orders over by phone, fax, or mail, a MOTO merchant account (Mail Order / Telephone Order) is an ideal solution.

Why are MOTO Merchant Accounts Considered High Risk?

The main reason why MOTO merchant accounts are considered high risk is because the transactions are what payment processing companies call Card Not Present  (CNP) transactions. This means that neither the credit card nor the cardholder is physically present at the point of sale. Because it is harder to verify the cardholder’s identity with CNP transactions, there is an increased potential for fraud. In fact, over 50% of all instances of credit card fraud come from Card Not Present transactions.

Fortunately, new security and verification methods have been implemented that are designed to give merchants better tools to verify cardholder information. These include address verification, CVV2 (the 3-digit number on the back of a credit card), and other verification systems.

How Does a MOTO Merchant Account Work?

A MOTO merchant account allows businesses to take orders and receive payments by telephone, fax, or mail. The process is very simple and works like this:

  • A customer calls, faxes, or mails in their order.
  • The merchant enters the payment information into our state of the art payment gateway through a virtual terminal.
  • The transaction is sent through our 9-point “scrubbing system” that scans for and screens out suspicious or fraudulent transactions.
  • Approved transactions get banked within one (1) business day.

In addition, our MOTO merchants will benefit from the following:

  • Real-time transaction verification
  • Five-stage fraud protection process
  • Recurring payment options for customers

High Risk Pay Solution Can Help You Get a MOTO Merchant Account

Our team of experienced merchant service specialists has successfully negotiated on behalf of hundreds of clients in Canada, India, the US, and the UK to secure the services they need to grow their businesses and we can do the same for you. Even if you have been turned down before, we can help you get the merchant account you need to process payments by phone, fax, and mail. We never charge an application fee or an annual fee. Apply online or call us at 855-736-6460.