# MOTO Payments

## Overview

**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](/documentation/overview/payment_types/moto) page.

## Practical Example

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.

## Payment Session

To perform a MOTO payment via the API, you need to create a Payment Session using the [paymentSessionCreate](/documentation/api/reference/openapi#operation/paymentSessionCreate) endpoint with the following fields:


```json MOTO - Payload Example
{
    "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.

### MOTO Payments for Sub-Accounts

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 in the Ryft Portal

### Creating a MOTO Payment

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.

### Viewing MOTO Payments

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.


## Next Steps

- Process payment - see [here](/documentation/get_started/process_payments/moto).