Mail Order / Telephone Order Solutions

Most credit card companies use special criteria to assess risk and have a different fee structure for merchants who never take physical possession of the customer’s credit card. PCI Professionals can help you establish merchant accounts for your telephone orders and card-not-present transactions to keep you paying the lowest rates possible for your higher risk transactions.

Why Process Online?

The most common question among merchants is, why choose a “virtual” credit card machine instead of the typical stand-alone credit card machines? The greatest benefit of using a “virtual” merchant console is that it provides the merchant with the ability to process from any computer with an internet connection in the world. Processing online gives a company mobility and scalability that a stand-alone credit card machine simply can not provide.

The Merchant Console Virtual Terminal

We will provide you with a Virtual Terminal which is the primary tool that every merchant receives with a MOTO Merchant account. In the simplest terms, the Virtual Terminal can be thought of as a credit card machine that runs online. It has all the functions of a credit card machine with added tools, versatility and customization.

The Basics…
The Merchant Console starts with the basics that every merchant needs. These basic functions include the ability to process a sale, void, credit, authonly, postauth and settlement; all the functions of a credit card machine but it’s all done online.

The console also allows merchants to view a wide array of different reports. Transactions for reports are stored for the life of the account and merchants can decide to either view a report for their entire processing history or view a report for just the past day. Visual reports with graphs and charts make it easy for any merchant to see their transaction history. Export users can create custom reports with specific criteria to fit any merchant’s reporting needs and any report can be printed, emailed or downloaded at any time.

Customer Billing Database…
Without having to install any additional software, the Customer Billing section of the Merchant Console allows merchants to create a customer database and to create and maintain auto-billing cycles for those customers. Customers can be auto-billed on a daily, weekly, monthly, bi-monthly, quarterly, bi-annual or annual basis. This feature works especially well for hosting companies and time-payment merchants who allow their customers to pay in installments.

Batch Uploading…
Whether your merchant needs to upload a file of ten transactions or ten-thousand transactions, the batch uploader allows them to do so. Built into the console, the Batch Uploader allows merchants, who do not authorize in real-time or who prefer to upload batches of transactions (such as fulfillment centers) at one time, to upload files of transactions in supported formats [such as comma and tab limited] and then process them without having to key them in one at a time.

Security First…
Along with being PCI Compliant, the Merchant Console runs on the highest level of security. USA ePay uses the best in 1024-bit SSL Digital ID encryption for all transaction processing and goes far beyond the minimum standards making our gateway one of the most secure in the industry.

Address Verification System …
The Address Verification System [AVS] is an automatic system that verifies that the Billing Address entered by the card holder matches the address on file for the card being processed. The merchant will receive results for the address on both the street portion and the zip code. The merchant can go one step further and choose to reject transactions that do not meet required AVS responses within the Fraud Center’s AVS Module.

Card ID [CVV2/ CVC2/ CID] …
The card ID is the 3 digit number located on the back of Visa, MasterCard and Discover credit cards or the 4 digit number located on the front of an American Express card. The card ID verification is also an automatic verification system that is run on every transaction. As with AVS, the merchant can block transactions based on the card ID results within the Fraud Center’s Card ID Module. Some credit card issuing banks will automatically decline their cards’ transactions if the card ID result is a “No Match”.

Fraud Control Modules …
The USA ePay Fraud Center relies on its Module Stack Design. Each module controls a different aspect of security and merchants can choose which modules to put on the fraud control stack. Some examples of modules are duplicate transaction control, block by country (and/or state, city, zip, name…), auto detection of misuse of toolkit by customer (blocks a person from using an eCommerce toolkit after certain number of attempts with different cards), block by IP and many more. The advantage to this design is that it allows the merchant to constantly add/change their fraud controls according to their current fraud needs, and our providers are always adding new fraud prevention modules to the Fraud Center keeping it up to date on fraud security issues.

Fraud Stopper also allows merchants to apply different fraud controls to different sources, so a merchant can have high levels of fraud control on their Shopping Cart, but low levels on their console for their own employees.

PCI Professionals can easily help you establish a merchant account for your mail order and telephone business through our MOTO Credit Card Processing program. To open a MOTO credit card processing account, please call 800-815-0935 or APPLY NOW and one of our agents will contact you within 24 hours for a Free Consultation.