Many customers are reluctant to divulge their credit card data because they are afraid of becoming fraud victims. Merchants who wish to accept MOTO payments must therefore create a secure payment environment for their customers.

The merchants themselves run a greater risk of fraud, for example as a result of illegitimate chargebacks. Since customers don’t sign for MOTO transactions and there is no need to enter a PIN, under some circumstances it may be difficult to prove that the actual cardholder has authorized payment. This makes it important to implement an risk management strategy tailored to MOTO payments.