MOTO payments made easier with Square.

With the Square Virtual Terminal, there’s no need to key in customers’ card details. Customers can pay via a text message link, making transactions easier and safer.

What is MOTO?

MOTO stands for Mail Order Telephone Order payments. A MOTO payment is a credit or debit card payment taken over the phone, by mail or by email. Securely process transactions with Square Virtual Terminal, your point of sale, or directly on your EFTPOS terminal.

  • Over the phone payments
  • Secure SMS payment links
  • No monthly fee

See how MOTO works.

Professional services, online businesses and retail stores can especially benefit from a MOTO payment system. The ability to process payments remotely allows you to reach more customers and to streamline payment processing so you can focus on running your business. Taking MOTO payments is low-cost, fast and simple to set up.

How does Square work with MOTO?

Square Virtual Terminal

Square Virtual Terminal turns your computer into a payments terminal that can accept credit and debit cards. When you sign up with Square, you gain access to Square Virtual Terminal and can start to take MOTO payments straight away.

Why use MOTO with Square?

Get started in minutes.

Take payments right away, with no extra steps and one flat fee to process MKE transactions.

Take payments from anywhere.

Square hardware, point of sale products and Square Virtual Terminal all accept MOTO payments, so you can take payments no matter how you do business.

Improve customer experience.

Send payment links by SMS to keep customers in control and to put their minds at ease. Card details are more secure when they don’t need to be repeated over the phone.

Get paid fast.

Get your money into your bank account as fast as the next day, or instantly for a small fee. You can also set up a manual transfer to control when your funds get sent to your bank account.


Are MOTO payments secure?

Keep your business data secure when taking MOTO payments with Square.

Data security
We keep card data safe from end-to-end and track fraudulent cards to protect you and your customers.

Dispute management
When payment disputes occur, our team of experts deals with the bank for you so you can focus on your business.

All-in-one setup
Your Square account gives you everything you need to take payments – no need to contact the bank.

Online refunds
Process customer refunds for payments directly from your Square Dashboard.

No monthly fees. No commitment.

Sign up to Virtual Terminal for free.

Monthly fee


To start taking MOTO Payments

Low-cost processing fee


per transaction


6% + 30 ¢

Per transaction (excl. GST)

Canstar’s 2021 and 2022 Most Satisfied Customers Merchant Services Award

Set up your free Square account now.

Take payments from your computer in minutes.

Frequently Asked Questions

  • What is MOTO?

    MOTO stands for Mail Order Telephone Order. It stands for any type of payment in which the seller enters the details of the customer manually, regardless of where that information is entered.

  • What is a virtual terminal?

    A virtual terminal turns your computer into a payments terminal that can accept credit and debit cards. It’s perfect for remote billing or for taking credit card payments over the phone or by mail.

  • What are the benefits of Square Virtual Terminal?

    Square Virtual Terminal makes payments simple to accept and track. With Square Virtual Terminal you can charge cards from your computer and take in-person payments too.

  • Which methods of payment can customers use with Square Virtual Terminal?

    Square Virtual Terminal accepts all major card brands. If you connect Square Virtual Terminal with a Square Point of Sale, customers can tap credit or debit cards, insert chip and PIN or pay with Apple Pay and Google Pay.

  • How do I sign up for Square Virtual Terminal?

    Start to accept and record payments on your computer here.

  • How much does it cost?

    There are no monthly fees, commitments or long-term contracts. Square charges a low-cost remote processing fee per transaction.

  • What’s MKE?

    MKE stands for Manual Key Entry. It’s another type of MOTO payment in which the merchant enters card details manually into a physical terminal or POS machine.

  • Which types of businesses are suited to accept MOTO payments?

    Many businesses and merchants can benefit from a MOTO payment system, including online retailers, takeaway food outlets, professional services and more.