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  1. Accept payments

MOTO (virtual terminal)

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.
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MOTO transactions do not use 3-D Secure authentication. You bear greater liability for fraud-related chargebacks than with 3-D Secure eCommerce payments. Only process genuine mail order or telephone order payments in MOTO. Do not use MOTO to bypass 3-D Secure for online orders.

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).

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If you don't see MOTO in the left navigation menu, Peach Payments may not have activated the MOTO channel for your account. Contact support for assistance.

Process a payment

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Only certain roles can process MOTO payments.

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. On the left, enter the transaction and customer details:
    1. Payment type: Select Debit to charge the card immediately, or Pre Authorization to reserve funds without debiting the card immediately.
    2. Create registration: Optional. Select this check box to store the card for future use (for example, for recurring or follow-up charges).
    3. Reference ID: Your order or invoice reference.
    4. Amount: The payment amount and currency.
    5. Customer name: The customer's first and last name.
    6. Email and Phone: Optional contact details.
    7. Billing address: Optional. Expand this section to add billing address fields.
    8. Click Proceed.
  4. On the right, enter the card details the customer provided:
    1. Card number.
    2. Expiry date.
    3. CVC.
    4. Card holder name.
  5. Click Pay Now to process the payment.

After processing, the Dashboard displays the transaction outcome. Successful payments appear in the transactions listing.

Payment types

Dashboard optionWhen to use
DebitCharge the customer's card immediately.
Pre AuthorizationReserve funds without debiting the card immediately. Capture the preauthorisation before it expires.
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You must get permission from your customers before you select Create registration to store their card details.

Find your credentials

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Only certain roles can view MOTO 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. In the API keys section, copy your Entity ID and Access token.
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To retrieve your sandbox credentials, switch to the sandbox Dashboard and follow the instructions above.

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.