In the context of contact center operations, the terms Mail-Order/Telephone-Order (MOTO or MO/TO) refer to a method of accepting payments for goods or services over the phone or through mail-order channels. It is a non-face-to-face payment processing method that allows customers to provide their payment information to a contact center agent for the purpose of making a purchase.
Here's a breakdown of the terms:
1. Mail-Order (MO): Mail-order refers to a purchasing method where customers place orders for products or services through physical mail. Customers typically fill out an order form, include payment details (such as credit card information or a check), and send it via mail to the merchant or contact center.
2. Telephone-Order (TO): Telephone-order refers to a purchasing method where customers place orders for products or services by providing their payment information over the phone to a contact center agent. Customers communicate their product preferences, quantity, and payment details during the phone conversation.
Uses in Contact Center Operations:
1. Payment Processing: In a contact center environment, agents receive payment information from customers during phone interactions. The agents manually enter the payment details into a payment processing system or terminal to initiate the transaction.
2. Customer Verification: When customers place orders via mail or telephone, contact center agents may need to verify the customer's identity and payment information to ensure the transaction is legitimate. This can involve confirming the customer's address, contact details, and verifying the credit card information provided.
3. Order Management: Contact center agents handle various aspects of order management, such as updating product availability, calculating shipping costs, providing estimated delivery times, and addressing customer inquiries or concerns related to the purchase.
4. Payment Security: Contact centers must implement appropriate security measures to protect customer payment information during the MOTO process. This includes complying with Payment Card Industry Data Security Standard (PCI DSS) requirements, encrypting sensitive payment data, and adhering to strict privacy and data protection protocols.
MOTO or MO/TO payment methods are commonly used in situations where customers prefer to make purchases without physically visiting a store or using online shopping platforms. They provide customers with an alternative way to complete transactions and enable businesses to extend their reach to customers who may not have access to online shopping or prefer traditional ordering methods.
It's important for contact centers handling MOTO transactions to have robust processes in place to ensure the security of customer payment data, adhere to relevant regulations, and provide a seamless and reliable experience for customers placing orders via mail or telephone.
