MOTO stands for Mail Order Telephone Order and covers transactions whereby the merchant accepts payment or card details over the telephone, or in written form such as via email, fax, or post. The merchant then enters these details into their payment system in order to process the charge. This is the key distinguishing feature of MOTO transactions, as other card-not-present payments such as via a website, require that the customer is the one to enter their card details.
The reason why they are declined at Niyo Global is that there is a significant threat of card not present fraud associated with MOTO transactions. Thus to ensure a safe experience or all our user we have taken this step.