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MOTO Merchant Accounts

Our Top Picks for The Best MOTO Credit Card Processing Companies:

  1. Easy Pay Direct
  2. Bank Associates Merchant Services - BAMS
  3. PaymentCloud
  4. eMerchantBroker

1. Easy Pay Direct

Easy Pay Direct is known for working well with high risk merchant accounts. With MOTO payments, the cardholder provides their card details and authorizes the transaction in writing or by verbal consent. These accounts are considered to be high risk because of the nature of their sales. The way the transactions are handled makes them more vulnerable to potential fraud or chargebacks. EPD will work with you directly in order to find the right merchant processor for your high risk business.

2. Bank Associates Merchant Services - BAMS

No matter your business needs, BAMS will work hard to get you connected with the right platform to process transactions. If you make a sale, this company will pay you the next day to ensure that you receive your funds as soon as possible. Their fast responding mail order system will keep your payment secure. It will also help you keep these important transactions organized.

3. PaymentCloud

PaymentCloud also works well with businesses categorized as being high risk. Fraud detection tools are available to combat fraudulent transactions. They also use state of the art security technology in order to keep all of your transactions safe. Their processing times are also some of the quickest in the business. PaymentCloud also has excellent customer service to answer any potential questions you may have.

4. eMerchantBroker

EMB is a high risk merchant provider that offers boundless services. They also offer services that will help MOTO credit card processing go smoothly. EMB is focused on providing all of its customers with a positive business experience. Their support staff is trained accordingly so they can answer any questions or concerns you may potentially have. With EMB you can rest assured that your business is in good transaction processing hands.

Credit card payments were common prior to the internet. Payments can be made by mail or over the phone. While these companies are no longer as popular as they once were, they still exist, necessitating the need for MOTO credit card processing.

It may be required for a company that does the following: Their marketing strategy is based on direct mailers and catalogs. They work for themselves. Their primary method of sales is telemarketing.

Because MOTO businesses operate differently, it's critical to select a credit card processor that meets your needs. This will save you time and money.

Why do I Need MOTO Payment Processing?

Accepting credit cards is essential for businesses that accept payments by mail or phone. Collaboration with a payment processor is the only way to accomplish this. Having a merchant account with a credit card processor allows your company to do the following:

  • Credit cards such as Visa, MasterCard, American Express, and Discover are widely accepted.
  • Process eChecks and ACH payments, which may come in handy in business-to-business transactions.
  • Send email receipts as soon as payment is accepted.

Due to the lack of a physical card when processing a payment, a MOTO business may be riskier. The largest and most well-known credit card processors may refuse to work with "high risk" businesses. As a result, you'll need to use more payment processors.

The good news is that there are a plethora of reputable and experienced processors available to help MOTO businesses obtain payment.

Why is MOTO Considered High Risk?

Each credit card processor has its own set of criteria for determining which companies are high-risk. The following are some examples:

  • Companies that do not have a substantial emergency fund
  • A high percentage of chargebacks/reversals
  • Businesses that only conduct card-not-present transactions

Because MOTO does not process physical cards in this case, these transactions are known as "card-not-present." This raises the possibility of fraud and chargebacks. A payment processor may charge these accounts at a different rate to reduce risk. Furthermore, they may have special plans or policies in place for companies that are more vulnerable to government action.

What are the Benefits of MOTO Payment Processing?

It can be frightening to depart from the established way of doing things when a company introduces new technology. Payment processing, among other things, allows you to process payments.

Simple Set-Up

MOTO businesses have the advantage of not requiring a large investment in complicated and difficult-to-use hardware. Individuals who work for a variety of companies will typically only need a "virtual terminal." A virtual terminal allows your company to accept payments from any device with an internet connection.

You can save money by using an existing computer or tablet. Web pages or software on your computer may occasionally allow you to connect to a virtual terminal. In most cases, this can be done quickly and without disrupting your business.

Convenient and Accessible

There will be a virtual terminal where you will be able to create multiple users and allow your employees to use it as well. Virtual terminals can also be installed on a variety of different devices. This means you'll be able to generate reports and analyze sales data based on existing data.

This sales analysis is useful when you use payment processing. You can use this information to make future business decisions because you can see trends.

Useful for Repeat Customers

You can store your customers' account and credit card information by partnering with a credit card processor, allowing them to purchase items in the future. This method can help repeat customers speed up transactions and make it easier to review previous orders.

Things to Consider When Choosing a Payment Processor

There are many payment processors available, but not all of them provide the same rates and other features that you require. When choosing a processor, keep the following factors in mind.

Rates and Fees

It is critical to understand the fees charged by each payment processor. These are the four most well-liked.

  • Membership/Subscription
  • Tiered
  • Interchange-Plus
  • Flat Rate

Prior to comparing processors, you should have a firm understanding of how your company operates. When starting a business, you must consider the annual sales volume, average monthly sales amount, and number of transactions per month. You can choose the pricing model that is best for your company here. 


It doesn't matter who determines credit card exchange rates. They are not subject to the processing companies' approval. When you do business, the exchange rates will be consistent from one processor to the next. Interchange fees vary depending on the type of card, network, and transaction. Although interchange costs are sometimes referred to as "wholesale costs," this is not always the case.

Your bill will include interchange fees as well as any additional markup added by your processor under the Interchange-Plus pricing model. This is usually a combination of a percentage and a small flat fee, but it can be much higher. This model has the advantage of generating profits regardless of currency exchange rates. These billing statements, which detail each charge, can be difficult to read at times.


This model, in contrast to Interchange-Plus, combines interchange fees and the processor's markup into a single flat rate for each transaction. The exception to this rule is Interchange-Plus. As a result of this bill, the cost of processing may be easier to calculate, and the bill itself may be easier to read. Regrettably, you will not be able to save money as a result of interchange rate changes. 


The processor categorizes transactions in this pricing model. Although the categories differ depending on the processor, they typically fall into three categories: qualified, mid-qualified, and unqualified. A variety of factors can cause a transaction to fall into one of the categories.

You must be qualified to receive the best rate. You will be charged the maximum rate if you are not Qualified. This is a beneficial model because it allows you to save money by charging different rates for different types of transactions.

However, because you may not know how your transactions will be classified, determining the cost of processing them can be difficult.


This model, like Interchange-Plus, has a one-time monthly fee and flat transaction fees. A one-time monthly fee and flat transaction fees replace the percentage rate on each transaction. The interchange rates will still be listed if you receive a bill. Each transaction will not include the processor's percentage.

To make this model work, you must first calculate your monthly spending and then determine whether the monthly fee can save you money based on your spending. Before settling on a model, it's critical to weigh all of your options.


Choose a processor who takes the security of your customers' data very seriously. Because cybercrime is on the rise and is unlikely to abate anytime soon, you'll want to work with a company that takes it very seriously.

The Payment Card Industry Security Standards Council publishes a list of best practices for payment processors and businesses to follow every year. Security breaches are less likely if these rules are followed.

Businesses and processors must abide by these rules or face penalties. PCI-compliant payment processors follow these steps. The following are a few examples of beneficial habits:

  • Maintaining up to date antivirus software
  • Maintaining Point to Point Encryption (P2PE)
  • Maintaining a secure data network

It is critical to use a PCI-compliant payment processor because an ounce of prevention is worth a pound of cure.

Chargeback Mitigation

Because MOTO businesses have a higher rate of chargebacks than other businesses, you may want to select a processor that uses chargeback prevention programs. These automated processes may alert you to chargebacks and provide guidance on how to resolve them.

Certain people may be predisposed to these kinds of processes. Another method for avoiding chargebacks is AVS (Address Verification Service) matching.

This service requests additional card information to ensure that it matches the records already stored on card networks. If there is an error, such as entering an incorrect address, it may alert you to a possible scam.

It is easier for a business to navigate a charge-back case if the AVS field is completely filled out. Check with your processor to see if they can help you avoid chargebacks.

Additional Considerations


If you already have an accounting system, such as QuickBooks, you should look for a payment processor that integrates with both, such as Square. You will save time by not having to enter transaction information twice. Rather, look for one that will keep your records up to date for you. The majority of payment processors should work with commonly used accounting software.

Reputation and Customer Service

Choose a payment processing partner who has a good reputation in the industry. This is a critical aspect of your company's operations. You should conduct a quick web search to see if there are any negative reviews about the processor. You may discover information about the processor that you were previously unaware of.

As another example, you might come across positive feedback that influences your decision to use them for your card processing needs.

It is possible that working with an established company is preferable to working with a startup. When choosing a payment processor, you should also think about how easy it is to contact customer service. Ascertain that you can get live help if anything goes wrong.

Some processors may be able to assist you only if you call during normal business hours. When something breaks, having live support on hand will save you time, stress, and potentially lost sales.

Final Thoughts

MOTO businesses are distinct from other types of businesses, and credit card processors may consider them a risk when accepting credit cards from them. Working with a payment processor expands your customers' payment options while also adding value to your business.

When choosing a MOTO payment processor, keep in mind the fees and rates that will be applied to your transactions. Before you sign any contracts, read them thoroughly to ensure that you understand what you're getting into. Because of the nature of card-not-present transactions, fraud and chargebacks are significantly higher.

Select a processor that takes numerous precautions to protect your customers' payment information and complies with PCI standards. Numerous payment processors with experience working with high-risk businesses can offer additional features to help you avoid chargebacks and even assist you in the event of a dispute.

If you already have a business, you should select a card processor that is compatible with your current business systems. Significantly easier: This will simplify and expedite the process of incorporating this into your business.

Finally, select a payment processor with a strong reputation and a long track record. Consider how quickly and easily they can help you if something goes wrong. It can be difficult to find and compare payment processors for your MOTO business.

You can make an informed decision if you have the right information. Individuals who take the time to select the best processor will save time in the long run by avoiding the need to change processors frequently.

Take a look at the following suggestions for the best MOTO Credit Card Processors:

  1. Easy Pay Direct
  2. Bank Associates Merchant Services - BAMS
  3. PaymentCloud
  4. eMerchantBroker

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