Online and mail order retailers face unique challenges: high volumes of card-not-present transactions, fraud exposure, and the constant risk of chargebacks eating into hard-earned margins. Traditional methods — like asking customers to read card details over the phone — expose retailers to serious compliance risks and revenue loss.

SOTpay gives online and mail order retailers a PCI DSS compliant, multichannel platform to collect payments securely. It protects against fraud, removes sensitive data from your environment, and shifts liability back to the acquirer when transactions are authenticated. The result? Fewer chargebacks, less admin, and more secure growth.

Why Online & Mail Order Retailers Choose SOTpay

·         End Fraud-Related Chargebacks
 By using 3-D Secure authentication, liability for fraudulent transactions shifts to the bank. Gala Tent, one of SOTpay’s earliest adopters, eliminated fraud-related chargebacks completely — and has remained protected for nearly a decade.

·         PCI DSS Compliance Made Simple
 Card details never enter your systems. SOTpay keeps your environment out of PCI DSS scope, reducing audit costs and minimising compliance risk.

·         Multichannel Coverage
 Collect payments through phone, email, SMS, WhatsApp, or web links. Customers pay how they prefer, while your business stays protected.

·         Stop Taking Card Numbers Over the Phone
 Old processes that relied on agents typing in card details are insecure and prone to fraud. With SOTpay, the customer enters details themselves, keeping staff away from sensitive data.

·         Lower Transaction Costs
 With Open Banking and flexible payment rails, SOTpay helps reduce card processing fees and settlement delays.

·         Integration with Ecommerce & Accounting
 Connect with Xero, QuickBooks or ecommerce platforms to automate reconciliation and reporting.

Real Results: Gala Tent

Before SOTpay, Gala Tent’s sales team accepted payments by phone, asking customers to read card details aloud. Fraudulent transactions were common, and the resulting chargebacks were a constant drain on revenue.

After migrating to SOTpay’s secure hosted platform, Gala Tent never saw another fraud-related chargeback. Almost ten years later, the system continues to protect the business, reduce compliance scope, and make payments simpler for both staff and customers.

“Switching to SOTpay changed everything. Fraud-related chargebacks disappeared overnight, and our team no longer had to handle sensitive card data. It gave us peace of mind and allowed us to focus on growing the business.” - Jason Mace, Gala Tent CEO.

Business Impact for Retailers

·         Reduced Chargebacks: Fraudulent disputes eliminated through liability shift.

·         Lower Costs: Compliance audits and card fees cut down.

·         Customer Confidence: Secure, branded links improve trust and reduce drop-offs.

·         Operational Efficiency: Staff no longer waste time chasing disputed payments.

·         Future-Proofing: Open Banking support and accounting integrations keep systems modern and scalable.

How It Works

1.      A retailer initiates a secure SOTpay payment request.

2.      The customer receives a branded link via SMS, email, WhatsApp, or web checkout.

3.      The customer enters their own card or bank details securely.

4.      Payment is authenticated, liability shifts to the bank, and funds clear in real time.

FAQs

How does SOTpay stop fraud-related chargebacks?
 Every transaction uses strong authentication (3-D Secure), shifting liability to the acquiring bank and protecting your business.

Do staff still handle card details?
 No. Customers enter details themselves via secure links, keeping your business out of PCI DSS scope.

Will it integrate with my ecommerce system?
 Yes. SOTpay can connect to online platforms and accounting tools like Xero or QuickBooks.

Does it support remote orders by phone or email?
 Yes. Phone, email, SMS and WhatsApp are all supported for card-not-present transactions.

Is it suitable for high-volume retailers?
 Absolutely. SOTpay is fully hosted, scalable, and vendor-neutral, making it ideal for businesses handling large transaction flows.

Secure Your Online & Mail Order Payments

Don’t let fraud and chargebacks eat into your revenue. SOTpay protects online and mail order retailers with secure, PCI DSS compliant payments that cut costs and boost confidence.