🚨 Important Note
Pebl does not recommend MOTO payments unless strictly necessary.
Because you manually handle a customer’s card data, these transactions are less secure, more likely to be flagged or declined, and increase the chance of chargebacks.
Instead, we recommend sending the customer a payment link via SMS or email so they can pay securely from their own phone — protecting their card info and keeping you compliant.
Overview:
MOTO (Mail Order / Telephone Order) payments involve entering card details manually, which carries a higher risk of fraud and rejection. Here’s how to stay safe if you need to use them — and why Pebl recommends alternative options.
Recommendations:
Only use MOTO with trusted customers.
Avoid manual entries for unknown or high-risk clients.Always collect customer contact details.
Include name, email, and phone number for every MOTO transaction.Itemise your payment descriptions.
This helps support your case if there’s a dispute or chargeback.Avoid high-value MOTO payments.
Use Tap to Pay, QR codes, or Payment Links for large or risky payments.Respond quickly to chargebacks or disputes.
Provide documentation such as descriptions, receipts, and contact records.
FAQs and Troubleshooting Tips:
Why are MOTO payments riskier?
They skip chip/tap security and rely only on card info, which is easier to dispute or misuse.
Are MOTO payments often declined?
Yes — banks may block them due to the high-risk nature.
What’s the safer alternative?
Send a Pebl payment link instead. It’s secure, fast, and cardholder-friendly.