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OverviewUpgrade your integration
Online payments
OverviewFind your use caseUse Managed Payments
In-person payments
Terminal
Payment Methods
Payment scenarios
Beyond payments

Process MOTO payments

Process mail order and telephone order (MOTO) payments using Stripe Terminal.

Requesting access

To begin processing MOTO payments, contact Stripe support for access.

To process MOTO payments with a server-driven integration, you must:

  1. Create a PaymentIntent.
  2. Process the payment.
  3. Verify the reader state.
  4. Capture the payment.

Create a PaymentIntent

To begin collecting a MOTO payment, you must create a PaymentIntent with payment_method_types that includes card.

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d currency=usd \
  -d "payment_method_types[]"=card \
  -d capture_method=automatic \
  -d amount=1000

Process the payment

Private preview

CVC is mandatory for MOTO transactions. Skipping CVC is in private preview and you can request it for mail orders. Contact Stripe support for access.

After you create a PaymentIntent, use process_payment_intent to process the payment, setting process_config[moto] to true.

Command Line
cURL
Stripe CLI
Ruby
Python
PHP
Java
Node.js
Go
.NET
No results
curl https://api.stripe.com/v1/terminal/readers/
{{READER_ID}}
/process_payment_intent \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d payment_intent=
"{{PAYMENT_INTENT_ID}}"
 \
  -d "process_config[moto]"=true

The process_payment_intent request is asynchronous. After the request, the reader prompts you for the cardholder’s card number, CVC, expiration date, and postal code.

Note

If you’re displaying cart details using the setReaderDisplay method, you must reset the reader’s display from a line item interface to the splash screen before collecting a MOTO payment.

Verify the reader state

Your application must follow the instructions for verifying the reader state to confirm a successful (approved) payment.

Capture the payment

You must call capture to complete the payment if the PaymentIntent has a status of requires_capture.

Testing

Use the simulated reader and simulated test card numbers to test your integration.