MO/TO payment processing

MO/TO (Mail Order/Telephone Order) is a payment where a cardholder provides you with their payment card details over the phone, mail, fax, or other means of communication. MO/TO payment is a CNP (card not present) payment where a cardholder and their card are not physically present during the payment.

The JetPay payment platform supports the following operations when performing the MO/TO payment:

  • payment with direct withdrawal of funds
  • payment with direct withdrawal of funds by using a token
  • payment with holding funds
  • payment with holding funds by using a token

Request

This section provides the information on how to build the request for the MO/TO purchase.

HTTP request method POST
Request body format JSON
API endpoint

To initiate a MO/TO purchase, your request must contain the parameters required for purchase processing. To get the list of the parameters required for the payments with direct withdrawal of funds, see the One-step purchase section, for the payments with holding funds—the Two-step purchase section.

Aside from the parameters required for purchase processing, to perform a MO/TO payment, your request must also contain the moto_type parameter in the payment object. The value of the moto_type parameter needs to be one the following:

  • 1—for the Mail Order (MO) payment
  • 2—for the Telephone Order (TO) payment
Note:

When performing a Mail Order (MO) payment for Mastercard, Visa, and American Express payment cards, passing the cvv parameter in the card object is optional. For other card types, cvv is required in the request.

When performing a Telephone Order (TO) payment for Mastercard and American Express payment cards, passing the cvv parameter in the card object is optional. For other card types, cvv is required in the request.

Here is an example of the data from a request to initiate a MO/TO purchase.

{
  "general": {
      "project_id": 1234,
      "payment_id": "payment_47",
      "signature": "v7KNMpfogAxwRIL9tVftZ1ZZ5D/aZAeb0VMdeR+CqGrNxYyilUwSm...=="
  },
    "customer": {
      "ip_address": "198.51.100.47",
      "id": "customer_123"
  },
    "payment": {
      "amount": 400000,
      "currency": "USD",
      "moto_type": 1  
  },
    "return_url": {
        "success": "http://example.com/return",
        "decline": "http://example.com/decline",
        "return": "http://example.com/return",
  },
//when submitting card details:
    "card": {
        "pan": "4242424242424243",
        "year": 2025,
        "month": 8,
        "card_holder": "JOHN SMITH",
        "cvv": "123"
  }
//when submitting the ID of a stored payment card:
    "saved_account_id": 2345678,
    "cvv": "123"

//when submitting the token of a stored payment card:
    "token": "f365bb1729f9b72fd9c09703a751c979f3becc679f29c3e35c91d18070d15654",
    "cvv": "123"   
}

Restrictions on MO/TO payment processing

There can be some restrictions when it comes to performing MO/TO payments. Thus, to perform a MO/TO payment by using Maestro cards, the country in which the payment is performed must coincide with the country that issued the card. Otherwise, the payment will be declined.