Your business is classified as RETAIL if more than 80% of your credit card transactions are physically swiped/inserted.   Your business is classified as MOTO (Mail Order/Telephone Order) if more than 20% of your orders take place by telephone or mail order with an agent manually keying in credit card payment details.   Your business is classified as E-Commerce if sales take place primarily through a Website payment form or shopping cart at a percentage above the RETAIL and MOTO thresholds.