The fastest-growing segment of credit card use today is in "card-not-present" transactions in which a customer makes his or her purchase by mail order or telephone order (MOTO), by facsimile, or via the Internet instead of being physically present at the merchant's location.
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If you want to process credit cards for Internet, telephone, or mail order transactions, you'll need a special merchant account specifically designed for that purpose. Because you never take physical possession of a credit card so that you can swipe it through a magnetic strip reader, both Visa and Mastercard use different criteria for evaluating risk and have different fee structures for card-not-present transactions.

Total Merchant Services can help you easily establish such a merchant account and the entire process will take just minutes of your time and you'll be up and running in a matter of days.

The following pages are setup in a specific order to help you put together the right combination of credit card processing software or terminal equipment, and the services that best meet your needs.

When you reach the end of this process, you'll be ready to complete our online application, or to speak with an authorized Total Merchant Services sales consultant.

Please Note: We only work with "low risk" merchants and do not support "merchants that are considered high-risk". If you are listed on our prohibited list, your account will likely be denied and we will not be able to assist you.


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Total Merchant Services (TMS) is a registered ISO/MSP for HSBC Bank USA, National Association, Buffalo, NY


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