MOTO (Mail Order/Telephone Order) payments are a type of transaction where the customer provides their payment details over the phone or through mail, rather than entering them directly into an online payment form.
This type of payment can be processed by the Main Account holder using the Ryft Portal for payments directed to their own account. Alternatively, it can be performed using the API for greater flexibility, such as when the payment is being processed on behalf of a Sub-Account.
For more information about MOTO Payments, please refer to this page.
Let’s consider a scenario where a Customer wants to book a hotel room over the phone. The hotel staff (acting as the Main Account) collects the customer's payment details during the call and processes the payment on their behalf.
The hotel staff can initiate a MOTO Payment Session with the customer's details, including the amount for the room booking. The customer does not need to be present for this transaction, as they have already provided their payment information over the phone.
To perform a MOTO payment via the API, you need to create a Payment Session using the paymentSessionCreate endpoint with the following fields:
{
"amount": 10150, // £101.50
"currency": "GBP",
"customerEmail": "customer@mail.com",
"entryMode": "MOTO"
}This configuration will result in the initialisation of a payment where the Customer will be charged £101.50, specified in the amount field. The entryMode is set to "MOTO" to indicate that this is a Mail Order/Telephone Order transaction.
Provided the request was successful, the API returns a payload containing the details of the payment initialisation, including the clientSecret value, which is required to process the payment.
If you are a marketplace business, you can also set up MOTO payments for your Sub-Accounts. The process is similar to the one described above, but you will need to include the Sub-Account ID in the headers of the Payment Session creation request.
MOTO payments can also be initiated and processed through the Ryft Portal for payments directed to the Main Account holder. The entire process can be performed on the Payments page by clicking on the Create Payment button and selecting Standard as a Payment Type. Additionally, the Customer's email address needs to be provided for the payment to be processed.
Once these details are entered, the Collect Payment Details button can be clicked to enter the customer's card details. After entering the card information, the payment can be processed by clicking on the "Create Payment" button.
Payments created and processed using the MOTO Payment model can be viewed in the Ryft Portal as follows:
- For payments directed to the Main Account holders, they can be found on the Payments page.
- For payments directed to Sub-Accounts, they can be viewed on the Payments page by applying filters: set Account Type to Sub-accounts and enter the relevant Sub-Account ID.
- For Sub-Accounts onboarded using the Hosted flow, they can be viewed on the Payments page, when payments are directed to them.
- Process payment - see here.