Kyle Hall— CEO of PayKingsKyle has built his over 10 year career around high-risk payment processing and SaaS development, developing a deep understanding of the payment solutions business owners need. In addition to equipping high-risk merchants with payment processing tools for success, he has also founded PulseCRM (a CRM built specifically for the needs of the payment industry). Kyle’s focus has always been on creating practical systems and strategies that help businesses scale, not just in theory, but in practice.
Get approved in as little as 24 hours. No setup fees, no hidden costs.
Accept credit and debit card payments by mail order and telephone order — no card reader, no in-person checkout. Secure card-not-present processing with a virtual terminal included, and most decisions in 24–48 hours through 20+ banking partners.
MOTO stands for Mail Order/Telephone Order. A MOTO merchant account is a merchant services account approved specifically for card-not-present (CNP) transactions: your customer shares their card details by phone, mail, or fax, and your team keys the payment into a secure virtual terminal.
Because no physical card is swiped or dipped, card networks and banks treat MOTO transactions differently from in-person payments — higher fraud risk, higher interchange, and stricter underwriting. That’s why you need an account approved for MOTO processing rather than a standard retail or e-commerce account. For a plain-English primer on the terminology, read our guide to what MOTO stands for.
Every PayKings MOTO account includes the merchant services card-not-present businesses rely on:
MOTO payments are keyed in manually without the cardholder present, so banks classify them as higher risk for fraud and chargebacks. Mainstream processors often decline MOTO merchants at application — or approve them, then freeze funds when keyed transaction volume spikes.
PayKings specializes in high-risk MOTO merchant accounts. We work with 20+ banking partners to place your business with an acquirer that understands card-not-present risk, and we support merchants who have been declined or shut down elsewhere. Typical MOTO businesses we approve include call centers and telemarketing companies, catalog and mail order retailers, home-service companies, nonprofits, healthcare merchant services practices taking phone payments, and travel merchant accounts for agents booking over the phone.
Getting started is just as simple: submit your application, provide business documentation, let our team manage underwriting with our banking partners, and begin processing — most decisions arrive within 24–48 hours.
The MOTO flow
A customer shares their card by mail or phone, your team keys it into the virtual terminal, and AVS and CVV checks verify the transaction before it routes to the processor for authorization.
Mail or phone order
Customer pays remotely
Keyed in
Entered by your team
AVS verify
Address & CVV checked
Processor
Auths the sale
Approved
Order completes
Many merchants don't sell through a single channel. If you take orders online and by phone, PayKings can configure one account that combines an internet payment gateway for your e-commerce checkout with a MOTO virtual terminal for keyed orders — unified reporting, one underwriting file, one point of support.
That flexibility matters for internet MOTO merchants who would otherwise juggle two processors and reconcile two statements.
Because MOTO transactions are card-not-present, interchange rates run slightly higher than in-person payments — that premium reflects the added risk card networks assign to keyed transactions. Your total cost depends on your industry, processing volume, and the banking partner we match you with.
Get a free quote and start accepting mail order and telephone order payments today.
Placement options for hard-to-approve MOTO businesses, even after prior declines.
Most MOTO merchant account applications are decided within 24–48 hours.
We approve mail order and telephone order merchants that mainstream processors turn away.
Virtual terminal, recurring billing, fraud tools, and reporting in one account.
Everything you need to know about high-risk payment processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
