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Why are MOTO payments seen as high risk
Why are MOTO payments seen as high risk
Updated over 4 months ago

In a nutshell, MOTO payment increases the possibility of fraudulent behaviour due to:

  1. No Cardholder in Sight: The biggest reason MOTO payments are risky is that the cardholder isn’t physically there. This gives fraudsters a chance to sneak in and use stolen card details without getting caught. Sneaky, right?

  2. Missing Card Verification: In-person transactions can use fancy security features like EMV chips or contactless payments to keep things safe. But with MOTO, we miss out on those extra layers of protection.

  3. Higher Chargeback Rates: MOTO transactions tend to have more chargebacks. Customers might dispute these payments, saying they didn’t authorize them or didn’t receive what they ordered. It can get a bit messy!

  4. Increased Fraud Risk: Because MOTO transactions happen remotely, they’re like a playground for fraudsters. With no one watching, the chances of getting caught are lower than in-person transactions.

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