Many businesses find it effective to accept customer payments over the phone, whether it is for a product that will be shipped to customers or for the payment of an invoice already created.  In this environment, the most effective way for businesses to accept credit cards and debit cards is to open a Mail Order/Telephone Order (MOTO) account with Eclipse Acquiring. Since a card is not physically present and swiped, additional data is required for security purposes at the time of sale to protect you from fraud or potential chargebacks