No. Atoa does not support Mail Order or Telephone Order (MOTO) card payments.
What is a MOTO payment?
A MOTO payment is a card-not-present transaction where a merchant manually enters a customer’s card details on their behalf.
This usually happens when a customer shares their card number, expiry date, and CVV verbally over the phone or via email, and the merchant types those details into a payment system to complete the transaction.
Because the customer is not completing the payment themselves, there is no PIN, biometric check, banking app approval, or real-time customer authentication involved.
Why doesn’t Atoa support MOTO payments?
MOTO payments carry a higher level of risk because the merchant enters card details on behalf of the customer, rather than the customer authorising the payment directly with their bank.
As a result, MOTO payments are more exposed to:
-
Fraud, as there is no PIN, biometric check, or banking app verification
-
Chargebacks, where the merchant is fully liable if a customer disputes the payment
-
Data handling risks, as card details must be stored or entered manually
-
Higher processing fees, due to the elevated risk profile
Over time, these risks can lead to lost revenue, penalties, and operational strain for merchants.
What should I use instead of MOTO?
Instead of manually entering card details, Atoa recommends using secure payment links, sent by SMS or email.
These links allow customers to complete payments themselves, either by:
-
Pay by Bank, or
-
Card payment via secure payment link
In both cases, the merchant never enters or handles card details.
How do secure payment links work?
When a customer opens a payment link:
-
The payment is completed by the customer, not the merchant
-
The customer may receive an SMS or push notification from their bank
-
They may be asked to enter a one-time password (OTP) or tap “Approve” in their banking app
-
This authentication step is performed by the customer’s bank to protect against fraud
Because the payment is authorised directly by the customer with their bank, this provides stronger proof of consent and significantly reduces fraud and chargeback risk.
Funds are confirmed in real time, and no sensitive card details are shared, stored, or handled by your team.
Do you still support card payments?
Yes. Atoa continues to support card payments and Pay by Bank payments across the platform.
For remote payments, we recommend using secure payment links wherever possible, as they allow customers to authenticate payments directly with their bank and remove the need for merchants to enter card details manually.