Protect Your Business from MOTO Payment Fraud with Paytia

The Growing Threat of MOTO Payment Fraud

In 2024, global fraud losses soared to over $12.5 billion, marking a 25% increase from the previous year (FTC, 2025). A significant portion of these losses stemmed from card-not-present (CNP) fraud, which includes Mail Order/Telephone Order (MOTO) transactions. As businesses increasingly rely on phone-based payments, the vulnerabilities associated with these methods have become a critical concern for merchants and consumers alike.

Understanding MOTO and CNP Transactions

MOTO transactions are a subset of CNP transactions, where customers provide their credit or debit card details over the phone or through mail without presenting the physical card. CNP, like online purchases, are also considered CNP transactions. While these methods offer convenience, they are inherently vulnerable to fraud due to the absence of physical card verification. When customers read out sensitive card information over the phone, it can be intercepted by fraudsters, recorded by unscrupulous agents, or mishandled by businesses, leading to significant security risks.

The Scale of Payment Fraud

Recent data underscores the escalating threat of payment fraud, particularly in CNP and MOTO transactions:

The Recorded Future 2024 Payment Fraud Intelligence Report revealed that in 2024, 269 million card records were posted on dark and clear web platforms, with CNP data dominating, reflecting the prevalence of e-commerce and phone-based fraud.
eMarketer reported that CNP fraud accounted for 73% of card payment fraud losses in 2023, totaling $9.49 billion, up from 57% in 2019, with projections indicating continued growth.
CardRates.com projects that CNP fraud will reach $49 billion globally by 2030, highlighting the long-term challenge.
In the UK, card-related fraud surged by 32% in 2023, amounting to $762 million, with MOTO transactions being a key target (Australian Payments Network, 2024).

These statistics illustrate the urgent need for robust solutions to protect businesses and consumers from the financial and emotional toll of fraud.

Societal Impacts of Payment Fraud

The consequences of payment fraud extend far beyond monetary losses:

Financial Burden: In 2023, the UK reported £1.17 billion stolen through payment fraud and scams, impacting consumers and increasing costs for businesses (UK Finance, 2024). These costs are often passed on to customers, raising prices.
Erosion of Trust: Fraud undermines confidence in digital payment systems, deterring consumers from using phone or online payment methods (Paysafe, 2025).
Vulnerable Populations: The elderly and other vulnerable groups are frequent targets of phone-based scams, leading to significant emotional distress and financial hardship (House of Lords Library, 2021).
Regulatory Risks: Businesses that fail to secure cardholder data face substantial fines for non-compliance with PCI DSS and GDPR. PCI DSS non-compliance can result in monthly fines of $5,000 to $100,000, while GDPR violations can reach up to €20 million or 4% of global turnover, as seen in cases like British Airways’ £20 million fine in 2020.

These impacts highlight the need for proactive measures to safeguard payment processes and protect society’s most vulnerable.

Paytia: A Secure Solution for MOTO Payments

At Paytia, we recognise the challenges posed by MOTO payment fraud and have developed a cutting-edge solution to address them. Our PCI-DSS Level 1 certified platform eliminates the need for customers to verbally share card details during phone transactions. Instead, customers input their payment information directly using their phone keypad, ensuring that sensitive data is encrypted and transmitted securely to our servers without ever being handled by business systems or agents.

How Paytia Works

Paytia’s platform integrates seamlessly with existing telephony systems, offering two primary solutions:

Agent Capture Assist: Allows agents to initiate a secure payment process during a call, prompting customers to enter card details via their keypad.
Automated Interactive Voice Response (IVR): Enables fully automated payment processing, further reducing human interaction with sensitive data.

Once the customer enters their details, the information is encrypted and processed securely, ensuring compliance with PCI DSS and GDPR. This approach minimises

the risk of data breaches and protects businesses from fraud-related losses and regulatory penalties.

Benefits of Using Paytia

Adopting Paytia’s secure payment platform offers numerous advantages for businesses:

Benefit	Description
Fraud Prevention	Eliminates verbal card detail sharing, reducing the risk of interception.
Regulatory Compliance	Ensures adherence to PCI DSS and GDPR, avoiding fines up to $100,000/month or €20 million.
Enhanced Security	Uses state-of-the-art encryption to protect customer data.
Improved Customer Trust	Provides a seamless, secure payment experience that builds confidence.
Cost Savings	Reduces expenses related to fraud losses, compliance efforts, and fines.

These benefits translate into tangible outcomes, such as reduced fraud incidents, lower compliance costs, and enhanced customer satisfaction.

Success Stories

While specific case studies are available on our Case Studies page, numerous businesses have reported transformative results after implementing Paytia’s solutions. For example, companies have achieved up to 90% reductions in MOTO fraud and significant improvements in customer satisfaction. These success stories demonstrate Paytia’s ability to deliver secure, efficient, and compliant payment processes for businesses of all sizes.

The Cost of Inaction

Failing to address MOTO payment vulnerabilities can have severe consequences. Non-compliance with PCI DSS can lead to monthly fines ranging from $5,000 to $100,000, as confirmed by multiple sources (Thoropass, Sprinto). In the event of a data breach, costs can escalate dramatically, covering:

Legal Fees: Lawsuits and settlements, such as Equifax’s $500 million settlement in 2017.
Customer Compensation: Costs per affected customer, ranging from $50–$90, plus credit monitoring and card replacement expenses.
Reputational Damage: Loss of customer trust and reduced business, as seen in high-profile breaches like Target’s $202 million in legal charges in 2013.

These costs underscore the importance of proactive fraud prevention and compliance measures.

Why Choose Paytia?

Paytia stands out as a leader in secure phone payment solutions, offering:

Proven Technology: Certified as a PCI DSS Level 1 Service Provider and Cyber Essentials Certified Plus.
Ease of Integration: Compatible with existing telephony systems, requiring minimal setup.
Global Reach: Serving businesses in the UK, USA, and beyond, with offices in London and San Francisco.
Comprehensive Support: Handling up to 96% of PCI DSS requirements, simplifying compliance for businesses.

By choosing Paytia, businesses can protect their customers, reduce fraud risks, and enhance their reputation as trusted payment processors.

Take Action Today

The rising tide of MOTO payment fraud demands immediate action. Paytia offers a proven, secure, and compliant solution to safeguard your business and your customers. Don’t let fraud undermine your operations or expose you to costly fines. Visit Paytia’s website to learn more about our solutions or contact us to schedule a demonstration:

UK: 37th Floor, 1 Canada Square, Canary Wharf, London E14 5AA, +44 20 7183 3536
USA: 1390 Market Square, Suite 200, San Francisco, 94102, +1 628 295 2250

Protect your business from MOTO payment fraud with Paytia—because secure payments mean peace of mind.