{"id":12075,"date":"2025-01-16T13:23:42","date_gmt":"2025-01-16T17:23:42","guid":{"rendered":"https:\/\/cybercommunications-pr.com\/~acceptapayments\/?p=12075"},"modified":"2025-01-16T13:28:33","modified_gmt":"2025-01-16T17:28:33","slug":"payments-over-the-phone","status":"publish","type":"post","link":"https:\/\/acceptapayments.com\/es\/payments-over-the-phone\/","title":{"rendered":"C\u00f3mo aceptar pagos con tarjeta de cr\u00e9dito por tel\u00e9fono"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"12075\" class=\"elementor elementor-12075\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee2976f e-flex e-con-boxed e-con e-parent\" data-id=\"ee2976f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f80a0cc elementor-widget elementor-widget-text-editor\" data-id=\"f80a0cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_row et_pb_row_0\"><div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0 et_pb_css_mix_blend_mode_passthrough et-last-child\"><div class=\"et_pb_module et_pb_text et_pb_text_0 text-link et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p>On\u00a0<a href=\"https:\/\/acceptapayments.com\/es\/guide-to-card-present-cp-and-card-not-present-cnp-transactions\/\" target=\"_blank\" rel=\"noopener\">our last blog<\/a>, we discussed a guide on Card-present &amp; Card-not-present transactions.<\/p><p>Taking payments over the phone fall under card-not-present (<strong>CNP<\/strong>) transactions which, simply put, means that the card and the cardholder are not present during the transaction.<\/p><p>To accept credit card payments over the phone, you\u2019ll need either a merchant account or a payment service provider, which will give you access to a virtual terminal or a POS system that offers virtual terminal functionality and can process card-not-present transactions.<\/p><p>Although the process is decades old, there\u2019s some unease surrounding how to accept credit cards via phone.<\/p><p>Still, over-the-phone payments hold incredible potential for all businesses, so let\u2019s clear up some of the biggest questions and worries that merchants have.<\/p><\/div><\/div><\/div><\/div><div class=\"et_pb_row et_pb_row_1\"><div class=\"et_pb_column et_pb_column_1_2 et_pb_column_1 et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_module et_pb_text et_pb_text_1 et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><h3><strong>Pros of Phone Credit Card processing:<\/strong><\/h3><ul><li>Human-to-human interaction<\/li><li>Emotional reassurance<\/li><li>Convenient<\/li><li>Fast<\/li><li>Allows for more sales<\/li><\/ul><\/div><\/div><\/div><div class=\"et_pb_column et_pb_column_1_2 et_pb_column_2 et_pb_css_mix_blend_mode_passthrough et-last-child\"><div class=\"et_pb_module et_pb_text et_pb_text_2 et_pb_text_align_left et_pb_bg_layout_light\"><h3 class=\"et_pb_text_inner\"><strong>Cons of Phone Credit Card processing:<\/strong><\/h3><ul><li><p>Higher costs<\/p><\/li><li><p>Security risks<\/p><\/li><\/ul><p>By accepting credit card payments over the phone, you\u2019re taking the risk that the person on the other end of the line is not the cardholder or an authorized user of the card.<\/p><p>For example, you can\u2019t check photo ID like you and your staff should be doing for all in-person card transactions.<\/p><p>The banks that issue credit and debit cards are likely to hold businesses responsible for fraud that occurs if they aren\u2019t following security protocols such as those best practices related to phone orders.<\/p><p>So, what are good ways to ensure better security when processing payments over the phone? Here are five useful tips:<\/p><ul><li>This may sound obvious to some, but do not use pen and paper or spreadsheets to record sensitive customer information. Instead, choose a PCI certified system that can securely store recurring customers\u2019 credentials and credit card information.<\/li><\/ul><p><strong>Accepta,<\/strong> offers a variety of reliable, <strong>PCI<\/strong> <strong>certified<\/strong>, <strong>POS terminals<\/strong> and online or <strong>mobile platforms<\/strong> that can help you quickly and securely process card-not present transactions.<\/p><ul><li>Requiring your customer to provide detailed payment information has been shown to decrease the risk of fraud, so always ask for the following:<ul><li>Complete card number<\/li><li>Expiration date<\/li><li>Security code \/CVV code<\/li><li>ZIP code<\/li><\/ul><\/li><\/ul><ul><li>Make note of any suspicious behavior or discrepancies in the information you\u2019re given. Asking why billing and shipping ZIP codes don\u2019t match or requiring delivery signatures when dealing with physical products are good additional preventive measures.<\/li><\/ul><ul><li>On the signature line of the printed receipt for the order, instruct your staff members to write \u201cPhone order.\u201d Keep the paper receipt filed with the rest of your receipts and invoices.<\/li><\/ul><p>Phone orders can be incredibly useful for businesses.<\/p><p>It\u2019s convenient for customers, offers the reliability of human-to-human interaction, and it\u2019s an easy way for you to accept payments instantly.<\/p><p>Save effort and money and simplify your payment processing process by implementing Accepta\u2019s simple, secure, and reliable payment solutions into your business.<\/p><p>Contact us for more information:\u00a0<a href=\"tel:7877741555\">(787) 774-1555<\/a>\u00a0o\u00a0<a href=\"https:\/\/acceptapayments.com\/es\/\">acceptapayments.com<\/a>.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>On\u00a0our last blog, we discussed a guide on Card-present &amp; Card-not-present transactions. Taking payments over the phone fall under card-not-present (CNP) transactions which, simply put, means that the card and the cardholder are not present during the transaction. To accept credit card payments over the phone, you\u2019ll need either a merchant account or a payment [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":22,"footnotes":""},"categories":[60,61,58],"tags":[],"class_list":["post-12075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs","category-credit-cards","category-payment-processing"],"featured_image_src":"https:\/\/acceptapayments.com\/wp-content\/uploads\/2025\/01\/How-to-accept-credit-card-payments-over-the-phone-accepta.png","featured_image_src_square":"https:\/\/acceptapayments.com\/wp-content\/uploads\/2025\/01\/How-to-accept-credit-card-payments-over-the-phone-accepta.png","author_info":{"display_name":"admin","author_link":"https:\/\/acceptapayments.com\/es\/author\/accepta\/"},"_links":{"self":[{"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/posts\/12075","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/comments?post=12075"}],"version-history":[{"count":0,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/posts\/12075\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/media\/12076"}],"wp:attachment":[{"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/media?parent=12075"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/categories?post=12075"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/tags?post=12075"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}