Summary Mail order payments by phone, post or fax are more at risk of fraud. Acquiring banks ask for more commission to carry out these customer not present transactions.

Mail order payments involve more risks for banks and financial institutions than transactions where the customer is present at the point of sale.

Consequently, acquiring banks usually ask for more commission per transaction (perhaps 3.1% instead of 2.79%) and a more detailed agreement on the fraud checks you use.
With proper planning, your mail order operation should be able to get a customer not present merchant service from your bank without difficulty. If you already have an offline service negotiate with your bank to avoid paying another set up charge.

The bank will approve each application individually but there are other equally valid options available if you cannot get a merchant service; see the next few pages.

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