Get Started

Mail Order/Telephone Order (MOTO) Processing

If you operate a Mail Order/Telephone Order (MOTO) business, you’ve probably found it difficult to find reliable payment processing for your merchant account. Because the MOTO industry handles card-not-present (CNP) transactions, it’s deemed high-risk by banks and merchant service providers. CNP transactions are associated with above-average rates of fraud, but we believe that honest businesses should still have access to quality MOTO payment processing at an affordable rate.

MOTO businesses trust High Risk Merchant Pay for credit card processing and merchant services. Our services are competitive, secure, and transparent, and we can approve new merchants without the need for a credit check.


We accept merchants terminated or on the TMF/Match list

Contact Form for Industry pages

*For qualified merchants

Our MOTO Processing Solutions

Because of our advanced chargeback mitigation and fraud-scrubbing tools, we’re able to extend our services to high-risk MOTO merchant accounts while still offering competitive rates. Our in-house underwriting team will take the time to learn about your business and develop a custom solution with your goals in mind. With our simplified underwriting process, we can often get you approved in as little as 1 to 2 days—all for one flat rate, and with no hidden fees.

We even manage recurring payments. So if you offer a membership service or subscription as part of your MOTO business, we can help you to securely manage your monthly payments.

Best of all, we make it easy for you to reach the most customers worldwide. We maintain relationships with financial institutions across the globe, and we’re able to process more than 169 currencies. Our payment gateways are PCI DSS compliant, and our services integrate easily with over 175 shopping cart platforms including:

We accept MOTO businesses on the MATCH/TMF list, and we can get you up and running right away. Contact High Risk Merchant Pay at (844) 956-1262 today, and get premium MOTO processing at a competitive rate.