MOTO Merchant Accounts

Fast Approval + 25% Lower  Fees

First Card Payments has over 20 years of experience as a merchant processor for Mail Order, Tele Order Businesses

Mail Order, Tele Order (MOTO) businesses accept payments 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 as well as telesales to collect payments from customers and if you fall into the category, you’ll need a MOTO merchant account. We can help!

Customers nowadays feel very safe handing their credit card info over the phone or online. In fact, more consumers are using credit cards instead of cash for most, if not all of their transactions, online or otherwise. We believe that this sense of trust is earned. 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 secure payment gateways, also known as virtual terminals by some. A payment gateway is the digital cashier of your business that allows you to transfer payment requests, collect funds as well as process credit and debit correctly.

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Benefits of MOTO Merchant Accounts with FCP

Better Fees

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

Better Service

  • Personal FCP consultant

Better Relationships

  • Benefit from our extensive network

Better Quality

  • Manage chargebacks through prevention and mitigation
  • Online merchant payment processing gateways are encrypted and simple to use

Why First Card Payments Is the First Choice for MOTO Merchant Accounts

The one big drawback to a MOTO merchant account is the higher risk associated with transactions that aren’t face-to-face with your customers. As a result, banks and ISOs require MOTO businesses to have high-risk merchant accounts, which usually means higher fees as well.

Although MOTO businesses are considered high risk, it doesn’t mean you should pay exorbitant fees for merchant services. Unfortunately, most merchant processing companies will take unfair advantage of high-risk MOTO businesses and charge outrageous merchant fees. Partnering with the right payment processing company is essential. First Card Payments specializes in high-risk merchant accounts, providing a myriad of benefits to our clients.


  • Our experts can save you up to 25% off merchant fees, which are often marked up by banks and ISOs.
  • We work with you to not only prevent chargebacks but to dispute them and mitigate the consequences of a high chargeback rate.
  • The payment gateways we offer are not only protected by encryption but are also easy to use. We also provide web development for all payment gateways
  • Honesty and transparency are at the core of everything we do in order to maintain relationships with clients as well as financial institutions.

How to Apply for a High-Risk MOTO Merchant Account

Running a successful business obviously requires some form of accepting payment from customers. The fact that MOTO companies typically engage in card-not-present (CNP) transactions is part of the reason why these businesses are considered high risk, making it more difficult to be approved for a merchant account. Then, if you ever get approved for an account, you are generally charged higher rates due to the nature of the payment.

But you don’t have to settle for a merchant provider that charges unreasonable rates just so you can have a high-risk MOTO merchant account. The experts at First Card Payments weigh in with a few tips to ensure the best chance of approval and lower merchant fees.


Shop around for merchant services providers.

You don’t need to jump on the first deal you see. Do your research and read contracts before you agree to work with a particular company. A good merchant provider would not only charge reasonable fees but also give you excellent customer service and support. Assess their credibility, not just their rates.


Fill out your application – honestly.

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 undergo additional 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 they are trustworthy partners.

In order to best satisfy the underwriting team, prepare all the supporting documentation required. This includes your identification, bank statements, proof of business, marketing material, and financial history of the business.


Address the red flags of your MOTO business.

Underwriters will go through every detail regarding your business; 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 risk of rejection.

It’s good to have an emergency fund in the bank that you will use for refunds and chargebacks. This is a good indication that you take 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 as opposed to having the underwriters discover these details on their own. If you’re not upfront with these things, it might seem like you’re hiding it, which doesn’t bode well.

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. Once you get that approval, make sure to do the right things to maintain the MOTO merchant account and improve the credibility of your business.

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 and they will more likely remain loyal customers.

Are You Ready to Beat the Competition?

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