Introduction

MOTO (mail order/telephone order) enables you to manually process card-not-present payments on the Peach Payments Dashboard when a customer provides card details over the phone, by mail, or through another non-digital channel. You enter the card details on the customer's behalf using the Virtual terminal tab.

The MOTO section has two tabs:

• Virtual terminal: Create and process card payments manually.
• Settings: View and copy your MOTO API credentials.

Prerequisites

Before you can use MOTO on the Dashboard, Peach Payments must approve and configure a MOTO channel for your business (this requires risk approval).

Process a payment

Process a mail order or telephone order payment on the Virtual terminal tab as follows:

1. Log in to the Peach Payments Dashboard.

2. In the left navigation menu, click MOTO.

3. On the Virtual terminal tab, complete the Create payment form:

   1. Amount: The payment amount and currency.
   2. Invoice ID: Your order or invoice reference.
   3. Payment type: Select Debit to charge the card immediately, or Reserve funds to reserve an amount without debiting the card immediately.
   4. Save card for future payments: Optional. Select this check box to tokenise the card for future use. After you tokenise a card, you can charge it again for recurring payments or offer your customers one-click payments.

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      You must get permission from your customers before you select Save card for future payments to store their card details.

   5. Customer details: Optional. Expand this section to add:
      1. First name and Last name.
      2. Contact information: Select Email, Mobile phone, or both, then enter the details in the relevant fields.
      3. Billing address: Country, City, Street address, and ZIP/Postal code.
   6. Click Proceed.

4. The Dashboard opens a payment page in a new window. Enter the card details the customer provided:

   1. Card Number.
   2. Expiry.
   3. CVC (Optional).
   4. Card Holder Name.
   5. Click Pay now to process the payment or preauthorisation.

   While the payment is in progress, the Virtual terminal shows a Payment in progress message. Click Open payment page to return to the card form, or Check status to refresh the outcome. The Dashboard updates the Virtual terminal after the payment finishes.

5. To download a proof of payment or proof of preauthorisation document, after a successful Debit, click Proof of Payment and after a successful Reserve funds payment, click Proof of PreAuth.

Successful payments appear in the transactions listing.

Payment types

Find your credentials

Follow these steps to find your credentials:

1. Log in to the Peach Payments Dashboard.
2. In the left navigation menu, click MOTO.
3. Select the Settings tab.
4. The API keys section enables you to view and then copy your Entity ID and Access token.

Security and compliance

Follow these guidelines when you process MOTO payments:

• Train staff who capture card details to follow your PCI DSS policies and never store full card numbers outside approved systems.
• Flag transactions correctly as MOTO. Misclassifying online orders as MOTO violates card scheme rules and can lead to fines or account restrictions.
• Keep evidence of the customer's authorisation (for example, signed order forms or call recordings where permitted) to support dispute responses. You can also download a proof of payment or proof of preauthorisation to keep a record of the processed transaction.