Catalog, mail-order and telephone-order businesses run on card-not-present sales. We deliver direct mail merchant accounts with secure virtual terminals, recurring billing and the chargeback protection MOTO selling requires.
From catalog retailers and subscription boxes to fundraising mailers and continuity programs, we support direct response businesses that take orders by mail, phone and online.
You will work with a dedicated account manager who helps you choose the right direct mail payment solutions and guides you through setup. We integrate with the order-management, CRM and accounting tools you already use - no technical skills required.
Once you apply, you will complete a short online application covering your business, its size and your payment needs. After review, a member of our direct mail payment processing team will reach out to finish setting up your account, typically within 24-48 hours.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments to process payments for your direct mail business. Here are the key benefits our direct mail payment solutions offer.
Our direct mail payment gateway and virtual terminal make it easy to key in mail and phone orders securely, with support for recurring billing, continuity programs and one-time catalog sales.
Card-not-present selling carries elevated dispute risk. We use advanced prevention tools, AVS and clear billing descriptors to reduce chargebacks and help you contest cases of friendly fraud.
Fraud prevention is built into every solution we offer. Sophisticated detection flags suspicious keyed-in and stolen-card orders before they process, protecting your revenue.
We provide omnichannel direct mail payment processing for catalog, MOTO and online direct-response operations of every size.
Share your contact details and a member of our direct mail payment processing team will schedule a call to build the right solution for your business.
Answers to the questions direct mail businesses ask us most about accepting payments, fees and getting approved.
We provide omnichannel payment solutions designed for direct mail businesses:
Online: A secure payment gateway lets you accept credit card and ACH payments from customers - including one-time transactions, subscription billing and recurring payments.
Retail: For in-person sales we provide POS software and card readers for operations of all sizes.
Over the phone: Virtual terminals make it simple to accept payments over the phone with added convenience and security.
Processing fees typically range from 2% to 3.5%, depending on card brand, transaction type and your industry. Because direct mail relies on card-not-present orders, rates can run slightly higher than card-present retail.
Our mission is to offer affordable, transparent processing tailored to direct mail businesses, helping you avoid excessive fees while staying compliant with Visa and Mastercard requirements.
To help expedite approval, please gather the following before applying:
Your website should use HTTPS with a valid SSL certificate and include your legal business name, contact details, a Privacy Policy, Terms & Conditions and a Refund Policy.
Direct mail and mail-order selling is treated as medium-risk because nearly all orders are card-not-present, which carries higher fraud and chargeback exposure than in-person sales. That classification is exactly why a specialized processor matters - we underwrite MOTO and direct-response businesses every day and build in the protections needed to keep your account stable.
Most direct mail merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Having your paperwork and a compliant website ready ahead of time is the fastest way to get up and running.
