Set Up a Scheme for Mail Order/Telephone Order Card Payment

We recommend that you follow the Set up a Scheme user journey before continuing.

A Mail Order/Telephone Order (MO/TO) transaction occurs when a customer makes a card payment over the phone or through the mail, for example via a back-office operative or with the help of an underwriter.

MO/TO transactions are exempt from Strong Customer Authentication (SCA) requirements.

Before You Start

How to define if the payment/transaction will follow a SCA or a MO/TO flow?

When leveraging the Authorization Source value, Payments Orchestrator will be able to determine if the payment should be following an SCA or MO/TO flow, and present the correct journey to your customer.

Additionally, payment methods that do not support the indicated Authorization Source will not be displayed in the Whitelabel Session, in order to prevent an incorrect journey for your customer.

MO/TO Flow

By enabling MO/TO card payments through a Scheme, there are risks and challenges associated with MO/TO payments that you should be aware of:

PSPs may charge more for MO/TO transactions due to the increased risk factors.
Fraudulent actors might attempt to use stolen card details, as there is no requirement to present the card itself.
There is a higher likelihood of chargebacks with MO/TO payments, as customers might not recognize a charge on their statement or claim they never authorized the transaction.
Handling sensitive payment information over the phone or via mail may increase the risk of data breaches and unauthorized access.

Before enabling this feature on your schemes, ensure that the PSP you are using supports it and the option has been enabled on their side.

The Authorization Source

The Authorization Source attribute will identify the flow for how payments should be initiated. For a complete explanation, see the concept page.

The Authorization Source has a default of WEB unless you have specified a different value. In order to to trigger the MO/TO workflows, it must be set to PAPER or TEL.

App Payment Method Warnings

Payment methods that do not support all available Application Source values will have a badge displayed alongside their names.

How to Set Up and Publish a Scheme for MO/TO Card Payment?

MO/TO payment can only be applied to Collect Schemes

To set up and publish a Scheme for MO/TO card payment, follow the instructions for setting up a regular Collect Scheme. In Step 4, the Configuration section will include an Allow this scheme to support MO/TO card payments field. By enabling this feature, MO/TO card payments will be available through this new Scheme. Click the badge on the right side of the toggle for more detail regarding the risks and challenges of MO/TO payments.

Troubleshooting

The payment methods I want are not presented on the WLS Session.

Validate that the payment method supports the authorization Source used.

I cannot create a WLS Session.

Always obtain a NO_PAYMENT_OPTION_AVAILABLE when creating a session.