Accept and process MOTO payments
Overview
MOTO (mail order/telephone order) transactions allow merchants to conveniently initiate card-not-present (CNP) transactions. Customers provide their order and payment details through regular mail, fax, or telephone. The merchant captures the card information with the customer's consent, manually entering the card number and CVC/CVV into a virtual terminal or point of sale (POS) system.
Clover merchants with a Shopify Online Shop can accept MOTO payments through integrated solutions. When processing these payments, Shopify categorizes them as MOTO transactions and sends an indicator to Clover as MOTO = true. In the Clover Ecommerce Create a charge endpoint, the ecomind
parameter displays the indicator as moto
, for the merchant-initiated transaction.
Limitations
- EMV® 3-D Secure (3DS) is not applicable to MOTO payments, and there is no liability shift. The merchant is fully liable for fraud chargebacks related to MOTO payments.
- Surcharge-enabled merchantId cannot be connected to a Shopify Online Shop.
- Merchants must retain receipts for all MOTO transactions for a period of 18 months to 5 years. This is based on specific card network requirements and is crucial for compliance.
NOTE
MOTO transactions are different from scenarios where the card is present but cannot be processed through contactless, contact, or swipe methods due to issues like card damage. In such cases, the card details must be manually entered.
Prerequisites
- Clover merchant account with the Owner role and a Clover merchantId.
- Shopify Online Shop for the Clover merchant.
Steps
Following these steps is important for a Clover merchant with a Shopify Online Shop to accept, process, and review a MOTO transaction. This process ensures the security and accuracy of the transaction.
Step 1: Create order and enter card details on the Shopify Online Shop
- Log in to your Shopify Online Store account.
- From the left navigation menu, click Orders. The Orders page appears.
- Click Create Orders. The Create Order page appears.
- In the Products field, click Browse. The Select products pop-up appears.
- Search and select the product the customer ordered by mail, fax, or telephone.
- Click Add. The selected product displays on the Create Order page.
- Do one of the following:
- For an existing customer—Search and select from the Customer section. The customer information, such as billing address and phone number, auto-populates when you enter the credit card details.
- For a new customer—Enter the billing address and phone number for the customer when you enter the credit card details.
- Click Collect Payment > Enter card details. The Enter credit card pop-up appears.
Note: If you click Send invoice or Mark as paid, then it indicates a customer-initiated transaction and not a merchant-initiated MOTO transaction. - Enter information in the required fields:
- Card number
- Expires
- CVV
- Name on card
- Billing address and phone number for a new customer or in case of a change of address for an existing customer.
- Click Charge
amount
to make the payment.
After the payment is made, it's important to verify the payment details on the Clover Merchant Dashboard. This step provides reassurance that the transaction is successfully processed.
Step 2: Verify payment details on the Clover Merchant Dashboard
- Log in to the Clover Merchant Dashboard.
- From the left navigation menu, click Sales Activity > Orders. The Orders page appears.
- Scroll down to the order table, and click Receipt for the paid but unfulfilled order created on the Shopify Online Shop. The Receipt for the order appears.
- To review the payment information, click Show Details. The Method field displays MOTO to indicate manually entered credit card information.
After you review the payment information, return to the Shopify Online Shop account.
Step 3: Fulfill the order on the Shopify Online Shop
- On the Shopify Online Shop, from the left navigation menu, click Orders. The Orders page appears.
- From the Orders table, click the paid but unfulfilled order.
- Click Fulfill item. The Fulfill item page appears.
- Review the item information, and click Fulfill item.
The Order page displays the order status as Paid and Fulfilled. After you fulfill the order, check the order receipt and information on the Clover Merchant Dashboard.
Step 4: Check fulfilled order receipt and transaction on the Clover Merchant Dashboard
- On the Clover Merchant Dashboard, from the left navigation menu, click Sales Activity > Orders. The Orders page appears.
- Scroll down to the order table, and click Details for the paid and fulfilled order created on the Shopify Online Shop. The Order page appears.
- In the Payments section, click Details. The Transactions page appears.
- On the Payments tab, in the Card Transaction Information section, review the payment details, such as Card Entry Method: MOTO, Card Transaction: Auth, and Closed.
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Updated 11 days ago