Mail Order and Telephone Order Merchant Account Alternatives

All merchants that process payments through the telephone or mail are considered mail order / telephone order (MOTO) merchants.  Because the transaction does not take place in a face to face environment, credit card processors will often charge higher fees.  Check services are an excellent cost effective alternative for these merchants.

Merchant Benefits

• Securely process all checks, at a cheaper rate than credit cards
• Transactions are processed in seconds
• Competitive rates and transaction fees
• Highly interactive reporting mechanism

MOTO merchants that currently accept and process credit cards can now expand their payment options.  ACH and Check 21 provide a flexible answer to most business types.

ACH allows a merchant to process a consumer check through the phone or internet.  Recurring billing is also supported.  Like a check, funds are debited directly from the consumer’s back account.
 
Check 21 offers guarantee and non guarantee programs for point-of sale and consumer-not-present environments.  You can accept any type of check in any environment: face-to-face, through the mail, or from a drop box location.  Checks are converted to an electronic image and sent directly to the bank.  Depositing the check at your bank is no longer required.  This feature makes it an excellent service for merchants already accepting a large number of checks. 

Our goal at Ballistic Merchant Services is to consult and advise the proper check processing solution to fit your needs.