Merchant Card Service - Merchant Options - Your MOTO and Internet Merchant Account Provider

We have the services and products for MOTO merchant accounts you expect!

If the majority of your sales are over the phone, via the internet from your website, then you're in need of a Mail Order Telephone Account. These types of keyed transactions are processed differently due to the data stored on the magnetic strip on the back of credit cards, not being transmitted when card holder enters the data through a payment gateway or you key into a credit card machine, of even a virtual terminal by accessing your gateway remotely. For more information on Payment Gateways.

If you have a retail store front and a website where orders are coming from, you need two different merchant accounts. Why you ask, those transactions that are taken from you retail store have a lower rate since the credit cards are present so that you may verify certain items e.g. signature and the data on magnetic strip is transmitted with the AVS (address verification system) when the card is swiped. The system is setup so that if the AVS (place link to go AVS below) data is entered manually the transaction is considered at a non face to face or MOTO entry. The credit card transactions coming in from your website have a different rate structure; because of the risk involved when the person placing the order may not be the card holder. See Preventing Chargebacks . Therefore to save on your merchant service fees, it is beneficial to have a Mail Order Telephone Internet Account when 35% or more of your transactions are keyed.

If you have delivery drivers or you are a contracting service company like plumbing, residential electrical contractor or a towing service operator instead of having your workforce call in to complete the transaction to the office management personnel. Take look at the wireless transaction solutions available to you and benefit from swiped transactions with lower rates. See Wireless Mobile Solutions .

Explanations for Mail Order/Telephone Order (MOTO) Internet Transactions qualify... Two Tier Rates

Non-Face-To-Face/MOTO Credit Card Qualified is the same as Mid-Qualified Retail

• An order number must be entered into the terminal or software for the transaction.
• An Address Verification Service (AVS) request is initiated.
• An electronic authorization for the exact sale amount is received.
• Authorizations received via voice or telephone request do not qualify.
• The batch is settled within one (1) calendar day from the date of the authorization request.
• The Mail Order / Telephone Order indicator is turned on in the terminal or software.
• The card is not Business, Corporate, Purchase, or Foreign card.

Non-Face-To-Face/MOTO Check Card Qualified

• All requirements of CPS/Retail Key Entered.
• This rate is only applicable to U.S. issued check cards, non-US will qualify at the credit category.

Non-Face-To-Face/MOTO Credit Card Non-Qualified

• The transaction is not authorized or the authorization is received via voice or telephone request.
• The batch is settled three (3) or more calendar days from the date of the authorization request.
• The card is a Business, Corporate, Purchase, or Foreign card.

Non-Face-To-Face/MOTO Check Card Non-Qualified

• All requirements of CPS/Car Not Present.
• This rate is only applicable to U.S. issued check cards, non-US will qualify at the credit category.

Note: We won't ask for your Bank Card Processing Statements. Unless your monthly volume is over 150k; this is needed by underwriting to verify Charge Back History, etc. Each industry has it is own SIC Code and we know what the average ticket and volume is for each. Just another way we continue to set the Standards a little higher and eliminate the unruly 'Deal or Guarantee' syndrome.

Free access to yesterdays processing with:
https://mymerchantview.net/mmv/Operations View daily and monthly transaction reports for the past 6 months. This can be downloaded into Quick books using comma delineated or into Excel.

Customer Service and Terminal Support when you need it 24/7/365, via phone or internet: http://support.merchantcardservice.com/ we are the first to have a support site dedicated to you; continuing to ratchet up the standards.

ECommerce Helpful Guidelines

• Ask for both a card type (Visa, MasterCard, American Express, etc.) and the card number. Ensure that the card type matches the beginning digit(s) of the card number as listed below. Invoke an error message for all mismatches and do not proceed with the transaction.

Card Type Beginning Digit(s)

American Express . 37
Visa . . . 4
MasterCard . . 5
Discover . . 6
Diners Club . . 3000-3059, 3600-3699. 3800-3899

• Require the customer to manually enter the valid / expiration date(s) of the card. Do not provide a default date(s). This will ensure the customer enters the information and does not allow the default date(s) to stand, which will most likely differ from the actual valid / expiration date(s).

• Include an Address Verification Service (AVS) request with all authorization requests. AVS will identify if the billing address given by the customer matches the billing address on file with the Issuing bank. This is currently available within the United States only. Although a transaction may be completed without a positive AVS response, a negative match may indicate that the customer is not the authorized owner of the card number being used. Also, use caution when sending merchandise to a shipping address that differs from the billing address, regardless of whether or not the billing address received a positive AVS response. AVS response codes are as follows:

Y - Exact match of street address and five or nine-digit zip code
A - Street address matches; zip code does not match
Z - Zip code matches; street address does not match
N - No match
U - Address information unavailable or Issuer does not support AVS
R - Issuer authorization system unavailable, retry at a later time

If you need additional information or have any questions please contact us.