MO/TO Payment Processing

Mail Order/Telephone Order (MO/TO) payment is a CNP (card-not-present) payment when a cardholder provides you with bank card credentials via mail or telephone to perform a payment.

The types of payments that support MO/TO payment

The types of operations that support MO/TO functionality:

MO/TO payment processing by using Gate

MO/TO payments are different from the usual ones. MO/TOpayment is a type of CNP payments, when a bank card and a cardholder are not physically present. The bank card credentials are provided by its holder by mail, telephone, facsimile or other communication to create an invoice.

To perform a MO/TO payment by using Gate, pass one of the necessary values of the moto_type parameter in the payment object:
  • 1 for the Mail Order (MO) payment
  • 2 for the Telephone Order (TO) payment

Passing the cvv parameter

If moto_type=1 for Mastercard and Visa bank cards the cvv parameter in the object card becomes optional. For other card types parameter is mandatory.

If moto_type=2 for Mastercard bank cards the cvv parameter in the object card becomes optional. For other card types parameter is mandatory.

Restrictions on MO/TO payment processing

To perform a MO/TO payment by using Maestro cards, the country in which the operation is performed must coincide with the country that issued the card, and also be in the list of available countries. If these conditions are not met, the operation processing is declined. The list of available countries is given below.

Table 1. List of countries available for MO/TO payments by using Maestro card
IRL Ireland
FRA France
GBR United Kingdom
TUR Turkey