Monthly Cost
purchase price
Settlement Time
Device Type Telephone Payments
Business Account
Included
Telephone Payments – myPOS
Pricing
Transaction Fees
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MO/TO virtual terminal for online and phone card payments
Turn any smart device into a virtual terminal and accept card payments online or by phone with ease. Once a payment is completed, funds are instantly credited to your secure myPOS merchant account, allowing you to transfer money, withdraw cash, or spend worldwide using your business card.
MO/TO virtual terminal for online and phone card payments
Turn any smart device into a powerful virtual terminal and accept card payments securely online or by phone, anytime and anywhere. The process is simple and reliable, making it easy to take payments without the need for physical hardware or complex setup.
Once a payment is completed, funds are instantly credited to your secure myPOS merchant account, giving you full control over your money. From there, you can transfer funds, withdraw cash, or spend worldwide using your business card, helping you manage your business finances with confidence and flexibility.
As convenient as using a physical POS terminal
Many customers are not comfortable shopping online or entering their card details on a website. By accepting MO/TO payments, you add a human touch to the payment process and build a more personal connection with your customers.
These customers prefer to place orders over the phone and can securely provide their card details for payment. Once a transaction is completed, the customer’s card information cannot be accessed or stored. Virtual card processing enables secure remote payments, wherever you and your customers are.
myPOS MO/TO Virtual Terminal
Transform your computer, smartphone, or tablet into a virtual card terminal! With the myPOS MO/TO Virtual Terminal, you can accept debit and credit card payments from anywhere — even if your customer is halfway across the globe.
No extra software or hardware needed. Customer data is protected with top-level security, transactions are processed in real time, and funds are settled instantly.
Usable on any device
Available on your computer, phone, or tablet, allowing you to run your business from anywhere. All that’s required is an internet connection.
Transactions can be tracked in real-time and from any location
You can do this easily using the myPOS Mobile app
Employee Access for Payment Processing
Grant specific access to your employees so they can securely take payments on your behalf. You stay in control by assigning permissions, ensuring payments are processed safely while your team works efficiently.
MO/TO Payments from Your Account
Process Mail Order and Telephone Order (MO/TO) transactions directly from your account with ease. This allows you to accept card payments securely over the phone or by mail, without the need for a physical card terminal.
No software to install
No complex setup, costly resources, or extra software or hardware required
About myPOS
myPOS is an award-winning fintech company offering an all-in-one payments platform for accepting in-person, online, and mobile payments. Designed for businesses of all sizes, myPOS enables instant payouts and easy financial management. Trusted by thousands across Europe, it’s redefining how entrepreneurs accept and process payments.
Free myPOS Mastercard
As a myPOS customer, you get a free business Mastercard card for instant access to the accepted funds. No monthly fees. Use online or with Google Pay and Apple Pay.
Get Instant Settlement with myPOS
Receive your money in the myPOS merchant account in less than 3 seconds at no extra charge. No more waiting days for payments to clear, whether you're accepting payments in-store, or on the go.
Grow online sales with myPOS
Enjoy a free, secure online payment gateway with no hidden costs — you only pay a small transaction fee when you make a sale. Because we understand that your online business needs a secure payment gateway
myPOS Free Merchant Account
Register online in less than 5 minutes and get an e-money account with a dedicated IBAN in 14 currencies. Get started with your free merchant account today and take full control of your finances!
Free myPOS Mobile App
The myPOS mobile app gives you complete control over your business anytime, anywhere. With real-time transaction tracking, instant fund access, and powerful financial tools.
Frequently asked questions
How can I accept payments over the phone?
MO/TO Virtual Terminal refers to Mail Order/Telephone Order payments, allowing customers to place orders and pay by securely providing their card details over the phone or via email. As this is a card-not-present transaction, additional security measures are required to help protect both the customer and the business.
What is Rolling reserve?
Rolling Reserve is a security measure applied by myPOS to all MO/TO transactions, which are considered higher risk because the physical card is not present. A portion of each transaction (30%, minimum €1) is held for 180 days to protect against chargebacks, fraud, or reversals. If no claims occur, the reserved funds are gradually released back to the merchant.
I have been approved and am using the MO/TO service. Can I be restricted from using it at some point?
Yes, it is possible that your access to the MO/TO service can be restricted following a completed risk assessment. If this is considered necessary, the MO/TO service will be suspended on your account, mobile app, and device. You will be informed of any changes by email.
Am I required to provide proof for each MO/TO transaction?
Yes, in certain cases you may be required to provide proof for each MO/TO (Mail Order/Telephone Order) transaction. As MO/TO payments are considered non-secured, supporting evidence may be requested in the event of a dispute. This helps confirm the validity of the transaction and protect against potential fraud claims.
What can I do to avoid fraudulent transactions?
To avoid fraudulent transactions, always collect card details through secure and reliable channels and verify the source of the information. Watch for red flags such as unusually large or repeated orders and mismatched billing and delivery details. Use more secure payment methods where possible, keep clear records of transactions, and ensure your staff are trained to follow fraud-prevention procedures.
Where can I find the limits for MO/TO transactions?
You can view your MO/TO (Mail Order/Telephone Order) transaction limits in your myPOS account under the Fees section. These limits apply to all MO/TO transactions processed through the MO/TO Virtual Terminal on your myPOS web account and via the myPOS mobile app, taken together.
If you need to increase your MO/TO limits, you can contact myPOS support, who will review and assess your request based on your account activity and requirements.
How can processing MO/TO payments with fraudulent card details affect my business?
Processing MO/TO (Mail Order/Telephone Order) payments with fraudulent card details can have a serious impact on your business, as you are responsible for any losses arising from resulting disputes. It is therefore essential to carefully research your customers and verify the source of card information before completing MO/TO transactions. Taking these steps helps reduce the risk of fraud and protects your business from potential losses.
How is my business protected when accepting MO/TO transactions?
You can view your MO/TO (Mail Order/Telephone Order) transaction limits in your myPOS account under the Fees section. These limits apply to all MO/TO transactions processed through the MO/TO Virtual Terminal on your myPOS web account and via the myPOS mobile app, taken together.
If you need to increase your MO/TO limits, you can contact myPOS support, who will review and assess your request based on your account activity and requirements.
Why is a review necessary for accepting MO/TO transactions?
MO/TO (Mail Order/Telephone Order) transactions are considered high-risk because card details are shared by phone or email. Before enabling this service, myPOS carries out a detailed review to confirm it is appropriate for your business. This process helps reduce fraud risks and ensures compliance with required security standards.
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