person taking a card payment over the phone

What Are Moto Payments?

Customers are always looking for an improved shopping experience, whether visiting a website or physical store. With this in mind, it’s worth introducing cardless MOTO payments. In this article, we explain what MOTO payments are, how they work, how you can benefit from MOTO transactions, and how to incorporate them into your business model.


What does MOTO mean?

Mail Order/Telephone Order (MOTO) payments are a simple and effective alternative to physical card reader machines, with transactions, instead, completed through a web-based virtual terminal.

This makes MOTO payments ideal for small or independent businesses, or even startup entrepreneurs, that rely on remote trade. Rather than an in-person chip-and-pin or contactless transaction, MOTO purchases are made by phone, email, or an online portal.

How do MOTO payments work?

Being able to complete transactions remotely is essential for any business. To highlight the ease, convenience, and efficiency of using a virtual terminal, we’ve outlined how a MOTO payment typically works:

  1. Log into your virtual terminal with your email address & password. You can access your account via the app or any browser on a desktop.
  2. Input your customer’s card details and verify their identity. This is a security feature to confirm the person making the transaction is the owner of the card.
  3. Submit the transaction. This will notify the customer’s bank, who will either approve or deny the payment.
  4. Both you and your customer will receive a digital message or receipt offering confirmation of the validity of the transaction.
  5. You will receive the agreed-upon payment directly into your business account!


MOTO terminals are a fast, straightforward, and secure way for businesses to process orders and bookings, and don’t require any card reading hardware or technology; you’ll only need a computer/smartphone with internet access.

How can a small business benefit from MOTO payments?

Offering MOTO payment capability is beneficial for SMEs (small and medium enterprises), whether operating online or remotely. To give you an idea of how your business can be improved by introducing MOTO payments, we’ve outlined the main advantages to consider:

  • Improved professionalism 

Completing transactions through a virtual terminal, rather than via bank transfer, for instance, adds an element of authority to your small business, and customers will consider you a more professional company. They’ll receive a professional notification upon payment confirmation, which is also often accompanied by a separate digital receipt.

  • Enhanced customer experience 

MOTO payments mean your customers can make purchases from you, even when access to an internet connection is limited. Whether you run an e-commerce website, manage a garage, or run a takeaway, accepting payments over the phone immediately makes your business more convenient and accessible for consumers.

  • Extended customer reach

Offering remote phone or email payments makes your product available to a much wider audience. Rather than limiting yourself to people who visit your shop in person, accepting MOTO transactions means your business has no geographical limitations or boundaries. Not only does a broader customer-base improve your bottom line, but word-of-mouth beyond your town or city can also help to enhance your overall brand image.

  • Limitless opportunity to make sales

With access to your virtual terminal from anywhere in the world, you can take payments, send invoices, and track transactions at the touch of a button. This means you’re not tied to limiting opening hours and can continue to manage sales and make money from your mobile wherever you are.

  • Customer details are saved

When registering a transaction, your virtual terminal will remember a customer’s personal details for next time. This allows both you and your customer to benefit from convenient swiftness and a speedy transaction in the future.

  • Payment protection guaranteed

MOTO payments processed through your SimplyPayMe virtual terminal are always protected from malicious attack. We constantly update our security systems, so your customers can enjoy peace of mind with everything transaction.

How can I start taking MOTO payments?

To start accepting MOTO payments, you’ll need a personal virtual terminal, which is easy to set up through SimplyPayMe. This will allow you to enter customer details over the phone or via email.

By registering, you’ll be able to access your digital dashboard and sales data wherever you are, and process payments with as little as a 3G connection. Start a free, no-obligation trial with us today, to get a taste of how MOTO payments can improve your business; register online, contact our expert team, or download our mobile app.

How much does it cost to process a MOTO payment?

At SimplyPayMe, we believe efficiency and practicality should be an affordable luxury, no matter the size of your business. This is why our pricing model is structured with SMEs in mind.

After your free trial, it costs as little as $10 per month (plus 2.90% + 30¢​ of total transactions) to enjoy full access to our entire range of features. You’ll have your own unique virtual terminal and easy-to-navigate dashboard, and be able to:

  • Receive unlimited digital payments
  • Generate unlimited invoices
  • Set up invoice reminders for outstanding or scheduled payments

Sign up today and start receiving secure payments immediately, without the need for a bulky and costly card reader. Alternatively, for even more expert insight and guidance, check out the latest from us over on our blog.

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