Manual credit card processing

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

What are manual credit card payments?

Manual card payments are commonly referred to as card not present transactions, and can be deemed as high risk. The reason for this is that card not present processing frequently comes under threat of fraud, contributing to the largest percentage of card fraud in the UK. Accepting manual credit card processing online via a virtual terminal or over the phone using a chip and pin machine is also known as MOTO (mail order, telephone order) payments.

Accepting manual credit card processing

The key to accepting manual transactions is security. The majority of businesses take basic information when manually processing credit and debit card, however there are additional steps which can help prevent fraud occurring. After entering the long card number, expiry dates and clients name, follow these three simple steps;

  • Enter billing address for the cardholder including postcode
  • Require that the billing address matches banking records
  • Ask for the CVV code on the back of the card

Avoiding chargebacks

Even the most experienced companies with well trained staff and correct procedures in place experience chargebacks. This is hugely common when accepting card not present transactions and in some cases has led to closing the merchant account, due to higher than expected levels. We have put together a short guide of how to avoid the dreaded chargeback.

At Merchant Advice Service, we work with industry experts to provide advice on accepting manual credit card payments. Our team of advisors can discuss with you your options prior to application and help to keep chargebacks in a minimum.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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