Mail Order/Telephone Order (MOTO)

A Mail Order/Telephone Order (MOTO) is a transaction initiated via mail order (not email) or over the phone.

MOTO payments allow businesses to process transactions by collecting customer payment information verbally during a call or by regular mail and is typically used when a customer cannot complete a payment through digital channels. For example, a clinic may use this method to accept payments for appointments or services when patients are unable to pay online.

Due to the lack of physical presence of the buyer, such transactions are categorised as card-not-present transactions and fall outside the scope of Strong Customer Authentication (SCA). As MOTO transactions are exempt from Strong Customer Authentication (SCA) requirements, there is no liability shift and such transactions are considered high risk due to the potential for chargebacks. Therefore, MOTO transactions require adherence to specific security and compliance protocols.

The suitable payment method for MOTO transactions is card payments, as digital wallets and instant bank transfers via Open Banking are not supported for this type of transaction.

How to set up MOTO payments

Reach out to UNIPaaS. We will conduct the necessary internal risk assessments and configure the system to support your implementation.
Learn how to initiate payments using the UNIPaaS platform.

Example of a payment request:

{
  "amount": 100,
  "currency": "GBP",
  "country": "GB",
  "vendorId": "string",
  "email": "[email protected]",
  "reference": "string",
  "description": "string",
  "paymentMethods": ["creditCard"],
  "successfulPaymentRedirect": "https://platform.com/redirect",
  "invoiceUrl": "http://yourcompany.com/invoice.pdf",
  "billingAddress": {
    "firstName": "string",
    "lastName": "string",
    "city": "London",
    "country": "GB",
    "line1": "64 New Cavendish Street",
    "line2": "string",
    "postalCode": "W1G 8TB",
    "state": "string"
  },
  "shippingSameAsBilling": true,
  "shippingAddress": {
    "firstName": "string",
    "lastName": "string",
    "city": "London",
    "country": "GB",
    "line1": "64 New Cavendish Street",
    "line2": "string",
    "postalCode": "W1G 8TB",
    "state": "string"
  },
 "phone": "string",
  "isMoto": true
}

Include the following parameters in your request for MOTO transactions. If applicable, also provide the buyer’s billing and/or shipping address details.

Name	Type	Required	Description
`phone`	string	yes	The buyer's phone number is required for processing the transaction. This parameter is mandatory for compliance purposes when handling MOTO payments.
`isMoto`	boolean	yes	This parameter, when set to `true` , flags the transaction as a Mail Order/Telephone Order (MOTO).
`invoiceUrl`	string	no	This parameter should be an invoice or quote sent to the buyer prior to payment. It can serve as evidence in dispute situations and assist our risk teams.