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A virtual terminal is a secure, web-based payment gateway that lets you manually enter credit card payments from your computer, phone, or tablet. It’s perfect for businesses that take orders over the phone, bill clients remotely, or process card-not-present transactions. No card reader or hardware is required. Merchants simply log in, enter the payment details, and charge the card.

No, a virtual terminal does not require any hardware. You can key in credit card payments from any internet-connected device. You can connect a wireless or countertop PIN pad to your virtual terminal if you want to accept debit or in-person payments.

Yes, ºÚÁϳԹÏ’s virtual terminal lets you securely store customer payment details. This means you can charge repeat customers quickly without re-entering card details, set up recurring billing for subscriptions or installment payments, and reduce declined transactions with automatic card updates for expired cards. Stored payment data can be fully encrypted, to keep it secure.

Absolutely. ºÚÁϳԹÏ’s virtual terminal is PCI Level 1 compliant, meaning it meets the highest security standards for credit card processing. We use advanced encryption to protect payment data, tokenization to replace card numbers with secure digital tokens, and fraud detection tools to flag suspicious transactions and prevent chargebacks. Your business and customer data stay safe and protected every step of the way.

With ºÚÁϳԹÏ, payments are processed and deposited the next business-day, so you don’t have to worry about delays. Unlike some providers that place long-term reserves on your funds, we offer predictable payouts to keep your cash flow moving.

You can accept all major credit cards, including Visa, Mastercard, American Express, and Discover. The virtual terminal also supports card-not-present transactions for phone orders and invoices, recurring payments and subscriptions, and in-person debit and credit payments with an additional PIN pad. And ACH payments.

Unlike Square and Clover, ºÚÁÏ³Ô¹Ï offers lower fees, no reserves, and no required hardware. Enjoy faster payouts, secure card storage, and savings in every transaction. A better choice for businesses processing remote payments.

Yes, with ºÚÁϳԹÏ’s online invoicing feature, you can create professional invoices and send them via email, let customers pay instantly with a secure online payment link, track invoice status in real-time to see who has paid, and automate payment reminders to reduce late payments. Even if you don’t have a website, online invoicing lets you get paid quickly and efficiently.

Yes, if you occasionally need to accept in-person debit or credit card payments, you can pair your virtual terminal with a PIN pad. Countertop PIN pads are ideal for a front desk or office setup, while wireless PIN pads are perfect for businesses that need mobility. This allows you to take both remote and in-person payments with a straightforward system.

Getting started is fast and easy. First, apply for a merchant account, which typically takes 1-2 business days for approval. Once approved, log in to your virtual terminal, start processing payments immediately, and take advantage of our lower fees and secure transactions.