# 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.

<Callout type="warning">
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.
</Callout>

# 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).

<Callout type="info">
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](https://support.peachpayments.com/support/tickets/new?ticket_form=log_a_support_ticket) for assistance.
</Callout>

# Process a payment

<Callout type="info">
Only [certain roles](/docs/dashboard-settings#roles-and-permissions) can process MOTO payments.
</Callout>

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

1. [Log in](/docs/dashboard-overview#log-in-to-the-dashboard) 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.
      <Callout type="warning">
        You must get permission from your customers before you select **Save card for future payments** to store their card details.
      </Callout>
   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](/docs/dashboard-transactions).

<Callout type="warning">
If you selected **Reserve funds**, you reserved funds but did not debit the card. The Dashboard reports **Payment authorised** and tells you to capture the payment to complete the transaction. Peach Payments does not settle you for a preauthorisation until you capture it. [Capture the preauthorisation](/docs/manage-transactions#capture-using-the-dashboard) before it expires so that funds move and you receive settlement. Alternatively, you can [reverse the preauthorisation](/docs/manage-transactions#reverse-using-the-dashboard).
</Callout>

## Payment types

| Dashboard option  | When to use                                                                                                                                                                                                                                                                                                                |
| :---------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Debit**         | Charge the customer's card immediately.                                                                                                                                                                                                                                                                                    |
| **Reserve funds** | Reserve an amount on the customer's card without debiting the card immediately. [Capture](/docs/manage-transactions#capture-using-the-dashboard) the preauthorisation before it expires so that funds move and you receive settlement. An uncaptured preauthorisation does not settle. |

# Find your credentials

<Callout type="info">
Only [certain roles](/docs/dashboard-settings#roles-and-permissions) can view MOTO credentials.
</Callout>

Follow these steps to find your credentials:

1. [Log in](/docs/dashboard-overview#log-in-to-the-dashboard) 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**.

<Callout type="info">
To retrieve your sandbox credentials, switch to the [sandbox Dashboard](/docs/dashboard-sandbox#access-sandbox-dashboard) and follow the instructions above.
</Callout>

# 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](/docs/dashboard-moto#process-a-payment) to keep a record of the processed transaction.

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Interactive version: https://playground.sandbox-next.peachpayments.com/docs/dashboard-moto