MO/TO payment processing

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

The types of payments that support MO/TO payment processing

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/TO payment is a type of CNP payments when both a payment card and a cardholder are not physically present at the moment the payment is made. The payment card credentials are provided by its holder by mail, telephone, fax or other means of 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, Visa, and American Express the cvv parameter in the object card becomes optional. For other card types the parameter is mandatory.

If moto_type=2, for Mastercard and American Express the cvv parameter in the object card becomes optional. For other card types the parameter is mandatory.

Restrictions on MO/TO payment processing

To perform a MO/TO payment by using Maestro cards, you have to make sure that the country where the operation is performed matches the country where the card was issued and also be in the list of available countries. If these conditions are not met, the operation processing is declined. The countries available for MO/TO payments by using Maestro are listed in the following table.

IRL Ireland
FRA France
GBR United Kingdom
TUR Turkey