MOTO Merchant Accounts

Fast Approval + 25% Lower  Fees

First Card Payments has over 20 years experience as an online merchant processor.

MOTO businesses accept payment online, over the phone or both. The wide scale and commercial use of the internet has accelerated this business category. Most businesses use the internet of tele sales to collect payments from customers and if you fall into the category, then we can help!

Customers nowadays feel very safe handing their credit card info over the phone or online and the ones that do most times prefer that way of payment. We believe that this sense of trust is earned and at First Card Payments, we do our best to earn the trust of our customers with MOTO merchant accounts.

As a MOTO merchant, you rely completely on payment gateways, also known as virtual terminals by some. A payment gateway is the digital cashier of your business. Transferring payment requests, collecting funds and crediting and debiting correctly.

At First Card Payments we protect you from chargebacks, prevent chargebacks and keep a secure payment gateway for all our MOTO clients. Let us keep your payments coming for you.

Click to Call - (877) 441-6801 

Benefits of MOTO Merchant Accounts:

Better Fees

  • Up to 25% off the markup on your current fees.
  • No early termination fees or cancellation fees.

Better Service

  • No application or setup fees.
  • Personal FCP consultant.

Better Relationships

  • Benefit from our relationships.
  • Benefit from our networks.

Better Quality

  • Consultation to Mitigate & Fix Chargebacks.
  • Encrypted and easy to use Online Merchant Processing gateways.

Why Choose First Card Payments?

The one big drawback to a MOTO Merchant Processing Account is the higher risk associated with not having your customer/client face-to-face with you.

As a MOTO merchant, you rely completely on payment gateways, also known as virtual terminals by some. A payment gateway is the digital cashier of your business. Transferring payment requests, collecting funds and crediting and debiting correctly.

Finding the right payment gateway provider is essential. These are the benefits of you, our MOTO merchant account holder, receive when working with First Card Payments:

  • The ISO/bank sets a fee which the merchant processing company can’t go below, but they can go higher and they do. At First Card Payments, we take up to 25% less, 9 out of 10 times for all jewelry merchant accounts.
  • We work with you to mitigate your chance of receiving a chargeback in the first place. We don't just fix it, we help you prevent it. 
  • Full encrypted, safe and secure payment gateway that is reliable (it won't go down in the middle of a transaction) and easy to use (you don't need a PhD. to use it. We also provide web development for all payment gateways
  • Honesty and transparency are our calling cards. We get our clients to lower fees and we maintain a long-lasting client relationship; it’s a win-win.

You will need a merchant service provider that specializes in high risk merchant processing for a MOTO Merchant Processing Account. First Card Payments is that provider. 


Our Clients Success is OUR SUCCESS

Although the MOTO Industry is considered high risk, it doesn’t mean you must pay high fees for merchant services.

It’s true a MOTO Merchant Processing Business will incur higher fees than a traditional merchant account considered low risk by the merchant processing industry.

Unfortunately, most merchant processing companies will take unfair advantage of you being in the high risk category and charge exorbitant fees.

At First Card Payments Expect ROCK BOTTOM FEES!

Honesty and transparency are our calling cards. We get you to lower fees and this way we maintain a long-lasting client relationship; it’s a win-win.

How to Apply for MOTO High Risk Merchant Account

A good payment gateway solution should be part of running a successful business. But if you’re processing payments using the MOTO method, you might find it harder to secure an approval from a merchant provider.

That is because MOTO payments can be very risky with the customer not present during the transaction. If you ever get approved for an account, you could expect higher rates due to the nature of the payment.

But you don’t have to settle for a merchant provider that charge enormous rates just so you can have a high risk merchant account. Follow these tips to learn how you can find the best provider for your needs:

Shop around first.

You don’t need to jump on the first deal you see. Do your research and read contracts before you agree to any thing. A good merchant provider would not only charge reasonable fees but also give you excellent customer service and support every time. Look for credibility and not just rates.

Fill out your application.

Once you find the right merchant account provider, fill out an application form as honestly as possible. Being tagged as a high risk merchant means that your application will go through more scrutiny than usual, so it’s very important to provide the right information about your business.

Prepare for the underwriting process.

While all applicants go through the underwriting process, high risk merchants go through a more stringent risk assessment to make sure that you are a trustworthy partner.

To make sure that you get the best chances of satisfying the underwriting team, you need to prepare all the supporting documentation needed with your application. This includes your identification, bank statements, proof of business, marketing material and proof of bank account.

Fix any possible loopholes.

Underwriters will go through every detail regarding your business and chances are, a single red flag could already jeopardize your application. Financial credibility is especially important during risk assessment, so you need to make sure that you have well-managed finances if you are going to avoid any risks of rejection.

For one, it’s good to have an emergency fund in the bank that you will use for refunds and chargebacks. This will give a good signal to underwriters that you are taking your business seriously.

You should also take care of any unpaid debts and declare any bankrupt businesses in the past. Remember that being honest will put you in a more positive position than have the underwriters discover the loopholes in your business.

Although you are tagged as a high risk merchant, you can always get approved for a merchant account if you prepare for your application properly. And once you get that approval, make sure to do the right things to keep your account for the long-term.

Keep your chargeback rates low, follow proper return and refund policies, and always offer good customer service. If your customers know that they can reach you any time, they won’t need to file a chargeback just to get your attention

Are You Ready to Beat the Competition?

Click 'Get Started', fill out the contact form and we one of your account experts will contact you immediately recommendations. No obligation.

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