Over-the-Phone payments

Over-the-phone payments allow businesses to process transactions by collecting customer payment information verbally during a call. This method 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.

These transactions are considered high risk due to the lack of physical presence of the buyer and the inability to implement 3D Secure (3DS) authentication protocols, increasing the potential for chargebacks. That's why Over-the-phone payments require adherence to specific security and compliance protocols.

The suitable payment method for over-the-phone 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 Over-the-Phone 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 over-the-phone transactions. If applicable, also provide the buyer’s billing and/or shipping address details.

Name	Type	Description
`phone`	string	The buyer's phone number is required for processing the transaction. This parameter is mandatory for compliance purposes when handling over-the-phone payments.
`isMoto`	boolean	This parameter flags the transaction as a Mail Order/Telephone Order (MOTO), indicating that it was conducted over the phone.
`invoiceUrl`	string	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.