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If you accept card payments, you may be familiar with the term MOTO. MOTO is the acronym for mail order, telephone order. In other words, these card not present transactions can be performed remotely by email, fax or telephone. To accept secure MOTO payments, businesses need to partner with a trusted payment service provider that facilitates this type of transactions. Businesses need a MOTO merchant account and a virtual terminal (both of these requirements will be provided by payment service provider). A virtual terminal is a web-based payment application that works similarly to a card machine but in a virtual version. Instead of swiping the customers card, you manually enter the card data into the system. But how do MOTO payments work exactly? The customer provides their debit or credit card details over the phone or email, thereby giving businesses permission to process the transaction through a virtual terminal. A virtual terminal is a web-based paymen