Keyed / MOTO Processing

Streamline Your MOTO Processing

What Is MOTO?
If you accept the majority of your credit card payments over the phone, or in environments where the card is "not present", you are considered a MOTO (Mail Order/Telephone Order Processing) merchant. Whether you are processing transactions using an existing system or are starting from scratch, Sterling offers multiple options for you to accept MOTO payments such as:

•    PC Based Software.  Choose from numerous types of POS software that will capture, authorize and settle
your transactions all via your PC.

•   SPOT Virtual Terminal.  If you prefer to conduct sales virtually, SPOT is the perfect solution. Allowing you to
utilize any computer with an internet connection it is both cost effective and flexible.

•   Hardware Based Terminals.  Countertop terminals give you the option to both key and swipe transactions and
are well suited for retail businesses that accept credit cards both "face to face" and in card not present
environments.

•   Touch Tone Processing.  By dialing an 800 number, you can simply enter the credit card information and the
transaction is automatically captured, settled and deposited into your account.

Keeping Your Costs Low And Risk Minimized
For the majority of merchants processing where the card is not present, just the surcharges alone can amount to a large expense by the end of the month. Since Sterling's wholesale pricing is based on Visa and MasterCard's true cost, much of that expense is eliminated keeping your processing costs as low as possible. Additionally, our custom programming ensures that you are outfitted with the right security features to maximize your protection and reduce possible risk as well as cardholder fraud.

"All In One" Simplicity
If you are a retail merchant and process "face to face" customers in addition to MOTO transactions, there is no need to have 2 separate merchant accounts and split up your transactions. With Sterling, all payments can be run through a single system and will show up on one easy to read statement at the end of the month.

It's Simple To Get Started
For more details on how Sterling can make processing transactions in a MOTO setting easy and hassle free, call us toll-free at 877-GO STERLING (467-8375) or click here to request more information.