Manual credit card processing

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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