What are the different types of Merchant Numbers?

Ecommerce

The banks will provide standard Internet Merchant agreements to all online Vendors, allowing them to process standard credit and debit card transactions online through an API set-up or via the Sage Pay payment pages.

MOTO

MOTO stands for 'Mail Order Telephone Orders'. This is specifically for card details that are taken via telephone or mail order by the Vendor.

These transactions can be processed online, but because they are processed differently by the banks and are charged at a different rate, Sage Pay flags all these transactions as MOTO. They will not be accepted by the bank via the ecommerce channel. MOTO transactions can be processed using our MOTO service and also through the Direct integration method . Many banks require a separate merchant number for this, however others don’t, please consult your merchant bank on this.

Direct Refunds

Direct Refunds allow vendors to refund any card for any amount. Normally you cannot refund more than the original amount of the original transaction that was placed via Sage Pay. The merchant banks are slightly more reluctant to issue Direct Refund merchant numbers due their risk factor and a lengthy validation process may take place.

Continuous Authority

This Internet Merchant Number is for Vendors that run subscription services and regularly take funds from a shopper's card, this is otherwise known as Recurring billing or REPEAT transactions.