# MO/TO payment processing {#en_Gate_moto .concept}

An article about the capability of processing via Gate purchases with the use of the customer's payment data received through email, phone, or other communication channels.

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 {#section_c22_lkx_y2b .section}

The types of operations that support MO/TO functionality:

-   purchase with direct withdrawal of funds—[/v2/payment/card/sale](https://api-developers.ecommpay.com/api-specification/card-payments/post-v2-payment-card-sale)
-   purchase with direct withdrawal of funds by using saved data—[/v2/payment/card/sale/saved](https://api-developers.ecommpay.com/api-specification/card-payments/post-v2-payment-card-sale-saved)
-   purchase with direct withdrawal of funds by using token—[/v2/payment/card/sale/token](https://api-developers.ecommpay.com/api-specification/card-payments/post-v2-payment-card-sale-token)
-   placing an authorisation hold—[/v2/payment/card/auth](https://api-developers.ecommpay.com/api-specification/card-payments/post-v2-payment-card-auth)
-   placing an authorisation hold by using saved card data—[/v2/payment/card/auth/saved](https://api-developers.ecommpay.com/api-specification/card-payments/post-v2-payment-card-auth-saved)
-   placing an authorisation hold by using the token associated with the card details—[/v2/payment/card/auth/token](https://api-developers.ecommpay.com/api-specification/card-payments/post-v2-payment-card-auth-token)
-   payment card verification by card number—[/v2/payment/card/account\_verification](https://api-developers.ecommpay.com/api-specification/card-payments/post-v2-payment-card-account-verification)
-   payment card verification by the token associated with the card details—[/v2/payment/card/account\_verification/token](https://api-developers.ecommpay.com/api-specification/card-payments/post-v2-payment-card-account-verification-token)

## MO/TO payment processing by using Gate {#section_ncq_xfx_y2b .section}

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 {#section_ct3_jkx_y2b .section}

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 Mastercardand 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 {#section_ffr_y4h_jfb .section}

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|

**Parent topic:**[Additional capabilities](en_Gate_Additional_capabilities.md)