Take Payments by Phone or Mail With a Merchant Account Built for It
If your business takes payments over the phone or by invoice, you need a merchant account built for card-not-present transactions — not a retail setup forced to fit. Payment USA provides stable MOTO merchant accounts with secure virtual terminal access and transparent underwriting.
No obligation. Just clarity.
Mail Order & Telephone Order Processing — Explained
A MOTO merchant account allows businesses to process payments without a physical card present. Common use cases include telephone orders, mail order businesses, service providers collecting payment by phone, invoice-based businesses, B2B payment collection, and recurring billing entered manually.
Because the card is not physically swiped or tapped, underwriting standards differ from retail. Proper setup matters.
Secure Virtual Terminal Processing
No complicated hardware required. Just secure access and compliant configuration.
Manual Card Entry
Key in credit card transactions securely from any browser.
Tokenized Storage
Store customer payment data securely for repeat transactions.
Recurring Payments
Set up automatic billing cycles for subscription customers.
Payment Links
Send secure payment links via email or text message.
Invoice Processing
Process invoice payments securely without physical card presence.
PCI Compliant
Built to meet PCI-DSS security standards for card-not-present transactions.
Businesses That Use MOTO Merchant Accounts
Professional Services
Consulting, coaching, agencies
Contractors
Service invoicing by phone
Legal Offices
Retainer and fee collection
Medical Billing
Patient balance collection
Wholesale Distributors
B2B phone orders
Remote Sales Teams
Field sales card entry
Trusted by Businesses Nationwide
"Virtual terminal setup was fast and our team was processing same day. No complicated hardware needed."
"We collect payments by phone daily. This account was built for exactly how we operate."
"Recurring billing setup saved us hours every month. Should have switched sooner."
Let's Structure Your MOTO Account Correctly
Tell us how you accept payments. We'll review your transaction method, volume, risk profile, and funding timeline. No pressure. Just clarity.
Most merchants hear back within one business day.
What Merchants Are Saying on Google
Real reviews from real business owners, pulled live from our Google Business Profile. Nothing edited, nothing filtered.