The demand for taking credit card payments over the phone raises currently. But still, some of the entrepreneurs are in a dilemma whether to take credit card payments over the phone because the fraud has recently been increased tremendously. No entrepreneurs like to face any difficulties being a fraud. The same case for the clients too. The clients also are very concern regarding this matter.

As an entrepreneur, when you accept credit card payments on the phone, you are actually taking a risk that the person on the other side of the line is not the cardholder or the authorized user of the card. If you cannot check the photo ID, for example, your staff and you should be doing for all in-person card transactions. In fact, the banks which issue the credit or debit cards are likely to hold a business responsible for the fraud that occurs if they are not maintaining security protocols. Actually, there are some ways you can proceed to reduce business’s risk of failing a victim to fraud when you are to take credit card payments over the phone.


Ways to take credit cards payments over the phone


# To maintain a secure transaction, you can take credit card payments over the phone in many ways.

  1.       Enter the customer’s credit card information manually on the point-of-sale (POS) System or Mobile Payment Device.
  2.       Using the virtual terminal, accept payment online for the phone order.
  3.       Email the invoice to your customer so that your customer can pay using an online payments system.


# You can effectively secure your phone order payments process to take credit card payments.

  1.       Do buy a very secure POS system which ensures the latest security technology.
  2.       Always choose a payments processor and a hardware vendor that are both reputable and highly experienced in your industry and in working with mail order merchants.




The requirement pieces of information for each cards payment you accept over the phone


  • Complete card number
  • Expiration date
  • Security code / CVV code
  • Billing ZIP code


Do instruct your staff members to write “Phone Order” on the signature line of the printed receipt for the order. Keep this paper in your record along with your invoices and the receipts.

When you are going to receive some online payment, some additional steps you should take to secure the transaction, which will undoubtedly ensure the legitimacy of your secure transaction.

# Delivery confirmation

It is recommended that you buy following for the shipment, particularly if it’s a high dollar amount. Requiring a grown-up signature when the shipment is conveyed, is another progression you might need to take for large orders. When you have an unmistakable paper trail of the shipment and conveyance, it is significantly more troublesome for a client to guarantee “products not received” or that it was a false exchange.

# ZIP code match

If the ZIP codes of the charging address and the delivery address aren’t matching, ask the client for the reasons of mismatching. This ought to be done when they are on the telephone putting in the request. Their response to this inquiry ought to be sensible, for example, requiring the shipment sent to his or her office so somebody can sign for it amid business hours. In the event that they don’t have a brisk, coherent reason concerning why the ZIP codes don’t coordinate, you should think about requesting another technique for installment—or necessitating that the bundle is sent to the charging address.




To take credit card payments is the modern demand of the expanding business in the world, which ensures easy transaction for both the clients and the entrepreneurs. In another word, taking card payments over the phone, not only satisfies the clients, but it also helps the business to spread widely, and obviously, following the above-mentioned steps make the credit card payment over the phone secured and safe.

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