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The types of Merchant Numbers

The types of merchant numbers that are accepted by Opayo are:

  • Ecommerce
  • Mail Order, Telephone Order (MOTO)
  • Continuous Authority


An Ecommerce merchant number is needed if you would like to trade online.  Ecommerce is for sales that are processed through your website.

You will be able to use the Opayo hosted payment pages, or your own custom built payment pages to process credit and debit cards.

Mail Order, Telephone Order

Mail Order Telephone Order or MOTO as it is otherwise known is for transactions that are exclusively processed via telephone, or mail order purchases.

Although these transactions can be taken online they are processed differently to Ecommerce transactions.  Because of this merchant banks will bill differently to Ecommerce merchant numbers.

Most merchant banks will require you to obtain both an Ecommerce and Mail Order, Telephone Order merchant number if you wish to process both types of transactions. Some banks however do allow both Ecommerce and MOTO services to be processed through the same merchant number. 

Continuous Authority

Continuous Authority merchant numbers is for you to use with Recurring Payments.