MOTO, or Mail Order or Telephone Order merchant accounts have been a staple of the credit card processing industry since its inception. This type of business model was the springboard for card-not-present transactions and a good reason for many American citizens to even carry credit cards from the inception of the industry. With the advent of the internet, and contrary to what many people would think; mail order and telephone order commerce has actually grown. In fact, the internet has boosted MOTO purchases and supplemented many company’s MOTO business through their ecommerce websites.

Stradafee.com welcomes MOTO business as the nature of the transactions that we specialize in. Card-not-present transactions are on the rise; this is due in part by the world shrinking due to the internet. The three keys to successful MOTO credit card processing are the ability to process high volumes of business, seamless processing cycles and competitive rates. The root cause for all three of these challenges that MOTO merchants face daily is that many of the orders are or can be international and being card-not-present, the chargeback rates can be high. High chargeback rates are usually due to card theft or a misrepresented or misunderstood item. Not having the cardholder present goes back to theft risk; however it is an older concern as banks, processors and merchant service providers have the ability to pre-authorize, scrub for fraud and verify cardholder identity today.

Outbound calling is one of the most effective means to advertise a business. Outbound calling or telemarketing companies are considered high risk merchants because they solicit directly to the consumer. Most of the time, the call center has no retail location.

A MOTO merchant account will allow the outbound calling / telemarketing merchant to accept credit cards for payments on purchases. There will be no need to purchase software as our merchant accounts include a live Virtual Terminal that can be accessed through a secure internet connection. The merchant will then log into the gateway with a unique username and password. From there the transaction is then key-entered into the system.

Stradafee.com works with several processors and acquirers providing high risk merchant accounts throughout the world. You may enter your transactions through a virtual terminal or batch process them. Expect state of the art fraud scrubbing to reduce the risk to your company. Real-time online reporting to view your transaction activity. Recurring billing capabilities

• High volume processing - with low overhead and more competition, MOTO merchants need enough cash flow to sustain and grow their business. Many domestic banks will not issue a high volume merchant account due to risk.
• A seamless processing cycle delivers timely payment to the merchant without hassles or account settlement while limiting chargeback’s.
• Competitive rates keep operating costs down in a high volume competitive venture as MOTO is.