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Accepting Credit Cards Over the Phone

As a telephone merchant, or a merchant that accepts most of their transactions over the phone, it is important to choose a processor that understands your business type. Telephone merchants can end up paying way too much for credit card processing, because they were not set up correctly.

With decades of experience in merchant services, at Atlas Payment Processing, you can be rest assured you will be set up correctly with the lowest rate structure possible; keeping more of your profits working for your business.

Why are the Rates Higher for Telephone Accounts?

Card-Not-Present (CNP), MOTO, or telephone merchant accounts have a higher discount rate due to the increased risk of chargebacks and fraud. Merchants that do not accept credit cards from customers in person, do not have the ability to swipe the magnetic strip on the back of the card, through a PCI compliant credit card terminal. The security features of the magnetic strip combined with the customer providing a signature at the time of the transaction greatly reduces the risk of fraud and chargebacks.

Telephone merchants can take steps within their sales process to help prevent chargebacks, however, regardless of the preventive measures taken, the rates for card-not-present transactions will always be higher than a swiped transaction.

When are the Transactions Deposited Into My Account?

Telephone merchants can get the same fast funding times offered to retail merchants.

To learn more about telephone merchant accounts, or to sign up today visit our apply now page, or call our toll free number to speak with an expert.

Apply Now for a merchant account and start accepting credit cards today!

1 (877) 712-8527
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