Best for
Merchants who want to accept all major payment cards through a mail order/telephone order merchant account, which classifies them as high-risk.
Specializes in
MOTO Merchant specializes in offering a way for merchants that accept mail orders and telephone orders to process their customers’ payments.
Pricing Summary
Setup Fee: Unknown
Monthly Fee: Unknown
Swipe Rate: Unknown
Keyed-in Rate: Unknown
Early Termination Fee : Unknown
Contract Terms:
MOTO Merchant offers payment processing services to merchants who need to accept all types of payments.
The company works with high-risk merchants to offer them a high level of security in order to reduce instances of fraud.
MOTO Merchant accepts and approves all merchant accounts to provide them with the services they need to process their payments.
MOTO Merchant has been around since 2007, according to their website. The company offers payment processing services for all types of payments, and specifically specializes in mail order/telephone order payments.
Some of the features they offer include:
Fraud prevention and protection
Support for recurring payments
Shopping cart modules
MOTO Merchants works with a variety of mail order merchants, including:
Timeshares
Student loan companies
Tobacco retailers
Credit repair companies
Telemarketing companies
Some of the types of high-risk merchants they serve include:
Business consulting firms
Herbal/vitamins and weight loss companies
Home and auto warranty companies
Gold and silver dealers
Ticket brokers
Head Quarters
unknown
Year Founded
Unknown
CEO
Unknown
Employees
Unknown
Merchant Provider Risk Tolerance
Works with all types of payments.
Accepts and approves all applicants.
High security for high risk merchant accounts.
Offer integrated billing software.
Works with several high-profile payment processors and banks.
No mention of hardware that requires manual entry.
No information on pricing and fees.
No Better Business Bureau rating.
Very little online presence to display customer reviews.
Technical support links on their website are dead links.
Hardware & Software
MOTO Merchant offers a few different options for merchants to allow them to accept payments. Merchants have access to:
Virtual terminals
Shopping card modules
Online payment gateways
There is no mention on the company website of credit/debit card processing machinesm, which suggests that accepting payments requires information to be manually entered into the virtual terminal or gateway.
MOTO Merchant offers a few different payment solutions for merchants. They may allow Advanced Payments to host their checkout on the company’s secure payment site. This eliminates any concern about PCI compliance and data security.
There is also a MOTO solution, which can be customized to fit the merchant’s needs and allows control of the payment system to remain with the merchant.
Value Added Services
MOTO Merchant does not offer many value added services. However, the company does offer 3-D secure payer authentication through Verified by Visa and Mastercard SecureCode.
The company does offer an online reporting feature as a part of their services. They provide recurring billing services as well.
One of the things that sets MOTO Merchant apart from their competition is the fact that they claim to never turn anyone down for a merchant account. That fact alone makes them a viable option for merchants that might have trouble getting account approval from other payment processors.
Supported Payment Types & Services
MOTO Merchant’s payment software allows merchants to accept all types of major credit card payments as well as echeck and ACH payments.
The company is integrated with several acquiring banks and payment processors, including Barclays, Chase Paymentech, EMS and Valitor.
Discloses All Important Terms
Unknown
Public Pricing Available
Unknown
MOTO Merchant does not offer any information on their website regarding their pricing and fees. However, because they specialize in working with merchants that are considered to be high-risk, it makes sense that their fees might be higher than others in the payment processing space that offer the same services for low-risk merchants.
The company does indicate that MOTO is offered to merchants free of charge when the company issues a merchant account or ACH/echeck services.
Pricing Model
Unknown
Swiped Rate
Unknown
Keyed-in Rate
Unknown
Mobile Payment Rate
Unknown
Virtual Terminal Rate
Monthly Fee
Unknown
Payment Gateway Fee
Batch Fee
Early Termination Fee
Unknown
PCI Compliance Fee
Equipment Lease Terms
Address Verification Service (AVS)
Application Fee
Account Setup Fee
Unknown
Gateway Setup Fee
Annual Fee
Monthly Minimum
Statement Fee
The company’s website does not offer any information about contracts and terms.
Contract Length
Unknown
Early Termination Fee
Unknown
MOTO Merchant is integrated with several acquiring banks, payment processors and partners. They use osCommerce and VirtueMart shopping cart systems.
Merchants who use any of their integrated partners as their bank may find setup to be quick and easy. For those who need to open a new merchant bank account, it may take a little longer to get everything set up and integrated. Also, merchants who do not work with their supported shopping carts may take a while to get set up because they have to wait for their integration requests to be approved.
Merchant customers can email MOTO Merchant with any issues they are experiencing or questions. The company also has a phone number prominently listed on its website.
BBB Rating
MOTO Merchant is not listed on the Better Business Bureau website at all.
Other Online Reviews
The MOTO Merchant website was very difficult to locate online, and there were no reviews to be found for their services. They do not list reviews on their website.
The company lists several social media icons on its website, but none of them lead to a MOTO Merchant social media page.
BBB
N/A
N/A
N/A
Yelp
N/A
Total Online Reviews
Unknown
Total Online Complaints
Unknown
Lawsuits
Unknown
If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks