BookingLive: Online Booking System


What are MOTO transactions?

MOTO means Mail Order / Telephone Order. With MOTO transactions the merchant never receives a signature from the customer, but only the credit card number and expiration date. This is sometimes called a Card Holder Not Present (CNP). 

Note: MOTO Merchant Account is different to your Internet Merchant Account (IMA), and MOTO is required alongside your IMA if you plan to take a significant number of your orders via telephone or other means.

With BookingLive, you check the MOTO button on your payment setting to be able to take admin bookings for customers without the customers having to enter their personal passwords e.g. Natwest Secure.

Note: Customers cannot select MOTO payment when this this checkbox is selected - only Admin can pay by MOTO.
For this functionality to work - most payment gateways require you to provide them with your MOTO Merchant Account number.

Below is shown how most payment gateways should be setup within BookingLive when you have both MOTO and IMA accounts.


Where do I get a MOTO Merchant Account from?

A common misconception is that you have to get this from the bank that your business account is with - this is untrue; you can have your business account with one back and your MOTO merchant with another. Feel free to apply to more than one bank to find the best rate around before you sign up.

Below is a list of UK Banks that offer Merchant Account Services:

  • Halifax Bank of Scotland (HBOS)
  • Royal Bank of Scotland (RBS) Streamline
  • HSBC
  • Barclays Merchant Services (BMS)
  • Lloyds Cardnet
  • Alliance & Leicester
  • Allied Irish Bank (AIB)
  • Bank of Ireland
  • SEB Private Banking


How Long Does It Take To Get A Merchant Account?

This really does depend upon a number of factors like the - credit liability level of the business, monthly processing volume, etc - but typically between 3-5 working days.