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

Absence of Cardholder Presence: The primary reason MOTO payments are high-risk is that the cardholder and their card are not physically present during the transaction. This makes it easier for fraudsters to use stolen card details without being detected.

Lack of Card Verification: Unlike in-person transactions where a card can be swiped or chipped, MOTO payments cannot leverage technologies like EMV (Europay, Mastercard, and Visa) chips or contactless payments, which offer additional layers of security.

Increased Chargeback Rates: MOTO transactions often have higher rates of chargebacks. Customers may dispute these transactions, claiming they didn’t authorise the payment or didn’t receive the goods or services as described.

Increased Fraud Risk: Due to the remote nature of MOTO transactions, they are more susceptible to fraud. Fraudsters often target MOTO payments because the chances of being caught are lower compared to in-person transactions.

- Absence of Cardholder Presence: The primary reason MOTO payments are high-risk is that the cardholder and their card are not physically present during the transaction. This makes it easier for fraudsters to use stolen card details without being detected.
- Lack of Card Verification: Unlike in-person transactions where a card can be swiped or chipped, MOTO payments cannot leverage technologies like EMV (Europay, Mastercard, and Visa) chips or contactless payments, which offer additional layers of security.
- Increased Chargeback Rates: MOTO transactions often have higher rates of chargebacks. Customers may dispute these transactions, claiming they didn’t authorise the payment or didn’t receive the goods or services as described.
- Increased Fraud Risk: Due to the remote nature of MOTO transactions, they are more susceptible to fraud. Fraudsters often target MOTO payments because the chances of being caught are lower compared to in-person transactions.