Payments M.O.T.O., i.e. transactions with manual insertion of the PAN, take place without the physical presence of the buyer. The merchant enters the buyer's card data, collected by telephone, e-mail or fax in the POS, after authorisation by the bank, or through a digital platform (e.g. the back office of the Ecommerce payment gateway). This type of payment is associated with the card-not-present payments and virtual POS.