Mail Order/Telephone Order (MOTO) merchants manually key in transactions from phone orders or order forms that have been mailed or faxed over to them. As a MOTO merchant, you will receive higher discount rates when processing transactions due to the risk involved in keying in a card number without being able to verify the identity of the customer as the cardholder. US Fundung recommends that the order forms your customers sign request the customer’s billing address and expiration date.

When you are keying the transaction into the terminal, you will be prompted for the street number and zip code of the billing address, as well as the expiration date. This feature is Address Verification Service (AVS). With the correct cardholder information, AVS will allow you to receive lower keyed rates than if you did not have the correct information or use AVS at all.