MO/TO transactions – without physically using the card

There are a number of benefits to using the MO/TO service:

1. Guarantee of receiving payment after the service has been provided, such as when booking a hotel room or car;
2. In the case of car rentals, pre-authorization provides a safeguard and determines the driver’s liability in case of incidents in which an insurance company is required to pay compensation;
3. A simple way to accept payments in the event of phone or email bookings.

What is the MO/TO service?

MO/TO (Mail Order/Telephone Order) transactions allow an account to be debited, without the physical presence of the card and cardholder, by email or telephone. MO/TO is a dedicated service for industries where service bookings are made remotely. It allows to secure funds for the service conveniently and quickly, but due to the lack of physical participation of the card and its holder, MO/TO transactions are subject to a high risk of complaints.

The MOTO service provides the opportunity to make card payments based on information collected from the customer during telephone or email contact. This service is particularly important for certain industries, including hotels and mail-order stores.

What is Preauthorization without the physical presence of the card?

This service is aimed at the hotel industry and car rental companies – that is, where you, as the owner, care about blocking funds in the customer’s account for future payment. In such cases, hotels and car rental companies guarantee to receive payment after the service has been rendered, such as when booking a hotel room or renting a car.

What is Preauthorization with physical presence of the card?

This is a service aimed at any industry, it allows you to block funds in the customer’s account for future payment. The customer is required to be  present with the card on site.

The service is aimed at hotels, guesthouses, car rental companies, mail order stores.
Are you decided, but don’t have a terminal yet?

Do you want to learn more about transactions without physical use of MO/TO card ?