Typically, BNPL options are designed for online and in-store transactions where the payment process is more controlled and secure. Offering BNPL for phone payments or other MOTO payments isn’t standard practice because it requires a level of integration and verification that phone payments generally don’t provide. When taking card payments over the phone using a virtual terminal,customers might use a virtual BNPL card without you knowing, of course. For example, if you run a hospitality business like a restaurant or hotel and take deposits over the phone for reservations, you wouldn’t usually know if a customer is using BNPL unless they specifically tell you.