Lightspeed Payments allows you to process Mail Order/Telephone Order (MOTO) transactions in situations where the customer's card is not physically present, such as for reservation deposits, upfront payments, or phone orders.
This guide covers how to set up and process MOTO payments, including integrated and manual methods, along with answers to commonly asked questions.
What's in this guide?
Setting up MOTO payments
Integrated MOTO payment processing
Manual MOTO payment processing
Frequently asked questions
Setting up MOTO payments
To start accepting MOTO payments, you'll need to enable the MOTO feature in Back Office and update your payment terminal configuration. Complete the setup by following the instructions below.
Enabling MOTO in Back Office
Users with admin permission can enable MOTO payments in Back Office. If you don’t have admin access, an admin user will need to grant you the Manage Lightspeed Payments permission before you can make any changes.
To enable MOTO:
- Log in to Back Office with your Lightspeed credentials.
- In the navigation menu, click Integrations.
- Search for and select Lightspeed Payments.
- Under the Settings tab, scroll down to MOTO.
- Toggle the switch to enable.
- Review the terms and conditions dialogue box.
- Click I understand and enable.
- Manually sync the POS or sync your registers from Back Office.
Updating the payment terminal configuration
Whenever you make changes to your Lightspeed Payments account, such as enabling MOTO, you'll need to manually update the configuration of your payment terminal to ensure the changes take effect immediately.
Smart Terminals (with/without) Printer
To update the payment terminal configuration:
- On the terminal touchscreen, tap Settings.
- Tap Config.
- Enter the admin PIN: 5773.
- Tap Update. The terminal will automatically restart and update its settings. This process may take several minutes.
Verifone e285, V400m, and P400+
To update the payment terminal configuration:
- Press the 9 key, followed by the Confirm key (green circle) on the terminal's number pad.
- Enter the admin PIN: 5773.
- Tap Config.
- Tap Update. The terminal will automatically restart and update its settings. This process may take several minutes.
Integrated MOTO payment processing
Once MOTO is enabled, users with the Process MOTO Transactions permission can process transactions directly in the POS. If a user doesn't have this permission, they can select an authorized user to approve the transaction by entering their PIN.
To process an integrated MOTO transaction:
- Enter the order as usual in the POS.
- Tap Check Out.
- Select MOTO.
- (Optional) If the logged-in user does not have the Process MOTO transactions permission, a list of authorized users will appear. Select one and enter the POS PIN to proceed.
- On the paired payment terminal, you'll be prompted to enter the following card details:
- Card number
- Expiry date
- CVC/CVV code
- Tap Continue on the terminal screen or press the Confirm key, depending on your payment terminal model.
Once payment is successfully processed, Approved will appear on the payment terminal display. The POS screen will show Transaction Successful and ask whether you'd like to send an email receipt to the customer.
Manual MOTO payment processing
Unlike integrated MOTO payments via the POS, manual MOTO transactions are standalone and not linked to a POS order. They appear in your Lightspeed Payments reporting under standalone transactions, which helps with tracking and reconciliation.
Merchants are responsible for verifying manual MOTO transactions and should always proceed with caution. Refunds for manual MOTO payments must be processed via Financial Services in Back Office.
Smart Terminals (with/without) Printer
To process a manual MOTO payment:
- On the terminal touchscreen, tap Transactions.
- Tap New Transaction.
- Enter the admin PIN: 5773.
- Select MOTO payment.
- On the payment terminal, enter the following card details:
- Card number
- Expiry date
- CVC/CVV code
- Tap Continue to complete the payment.
Once payment is successfully processed, Approved will appear on the payment terminal display.
Verifone V400m, P400+, and e285
To process a manual MOTO payment:
- On the terminal, press the 9 key followed by the Confirm key (green circle).
- Enter the admin PIN: 5773.
- Select Transactions.
- Tap New Transaction.
- Select MOTO payment.
- On the payment terminal, enter the following card details:
- Card number
- Expiry date
- CVC/CVV code
- Press the Confirm key to complete the payment.
Once payment is successfully processed, Approved will appear on the payment terminal display.
Frequently asked questions
Refunds for integrated MOTO transactions can be processed directly through the POS system. For detailed steps, refer to our article on refunding a sale on POS.
Manual MOTO transaction refunds can be processed through the Financial Services section in Back Office.
The maximum transaction value per MOTO transaction is $2,500. If you require a higher limit, contact our Support Team to submit a request.
MOTO transactions are classified as Card Not Present (CNP) transactions. The applicable merchant fee is based on the CNP rate specified in your Lightspeed Payments contract. For any questions about your rates or contract details, reach out to your Lightspeed Account Manager.
Yes. Lightspeed Payments supports automatic surcharging for MOTO transactions based on the current Card-Present (CP) rate configured in the payment surcharge section in your Back Office. For any questions related to your rates or contract, reach out to your Account Manager.
MOTO functionality is supported on all Lightspeed Payments terminals.
What's next?
Learn how to set up Pay at Table to let customers pay directly at their table for faster checkout.
Get answers to frequently asked questions about Lightspeed Payments.