Payment channels

A payment channel decides how BillPro processes a payment: with 3D Secure (3DS) authentication or without it. BillPro has two channels, ECOM and MOTO.

BillPro Merchant Support sets up your channels. Each channel uses one of your merchant accounts, so the two channels can process through different accounts.

E-commerce channel (ECOM)

The e-commerce channel processes payments with 3DS. Every merchant has it.

These payments always use it:

• Payment links sent by email or SMS, or shared as a link or QR code.
• Iframe checkouts.
• Virtual terminal payments with 3DS Verified on.

To stop a user sending payment links, turn off Payment Link in their user account. See Manage users.

Phone payments channel (MOTO)

MOTO stands for "Mail Order Telephone Order". It processes virtual terminal payments with 3DS Verified off. The customer doesn't complete 3DS, and you don't need to enter the CVV.

Merchant Support turns on this channel only if your business model allows it.

Most issuers still require 3DS when you store a card for recurring payments. If a phone payment is declined for this reason, turn on 3DS Verified and retry, or send a payment link. Both use the e-commerce channel.

Which channel the virtual terminal uses

The 3DS Verified switch on the virtual terminal picks the channel. On uses ECOM, off uses MOTO.

The switch starts in the position your profile's default payment method sets. Merchant Support sets this default.

Where you see the channel

• The order's Summary tab shows the order's Channel.
• On the Cards tab, a card stored through the e-commerce channel has a 3DS badge.

PCI DSS Level 1 compliance

Merchants and customers enter card details into the payment gateway's iframe. The payment gateway is PCI DSS Level 1 compliant. BillPro doesn't process or store full card details. It shows masked card numbers and stores tokens that stand for the cards.