Taking payments over the phone can be handy for some business owners, in particular when trying to secure an order on the moment. This can also avoid the hassle of chasing for payments at a later date.
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This is not ideal because you need to have the card terminal with you and only one person can use it at any one time.
Log into a terminal from your computer or phone and enter the details on your payments portal. This can be accessed from anywhere and you can have multiple users so it makes it ideal for a team or for working remotely.
Taking payments over the phone has traditionally been classed as less secure since the cardholder is not present and this makes it harder to know if it could be a stolen card. As such, some providers charge a Non-Secure or Card-Not-Present (CNP) fee which can also be called a more old-fashioned title: MOTO (Mail-Order-Telephone-Order).
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Bicycle Shop: Customer phones and asks about a bike on the website. Pays over the phone and someone collects it.
If the customer’s card does not work and they ask to pay with another card, this should be a huge warning because scammers often have multiple cards when calling.
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