Virtual Terminal Payment Processing
Turn any computer into a card terminal. Take phone orders, send payment links and bill stored cards from a secure web page.
What Is a Virtual Terminal?
A virtual terminal is a secure web page where you enter a customer’s card details to take a payment. There’s nothing to install: log in from any computer or tablet and run the sale.
It’s built for payments where the card isn’t in front of you: phone orders, mail orders, invoices and deposits.
What You Can Do With It
Phone and mail orders
Payment links and invoices
Card on file
Recurring billing
Refunds, voids and receipts
Card reader optional
Who Uses a Virtual Terminal?
Healthcare offices
Contractors and home services
Professional firms
B2B sellers
Hotels and travel
Keyed-In Payments and Your Costs
Payments where the card isn’t present carry higher interchange rates than tap or chip payments, because the risk of fraud is higher. Address and security code checks help you qualify for the best available rate and reduce disputes.
If most of your sales are keyed in, the pricing model matters. We’ll compare Interchange Plus and dual pricing using your real sales mix.
Virtual Terminal FAQs
Do I need special equipment?
No. All you need is a computer or tablet with an internet connection. A card reader is optional.
Is it secure?
Yes. Card data is encrypted and stored as tokens by the gateway, not on your computer. Your business still completes a yearly PCI self-assessment, and we help with that.
Which virtual terminals do you offer?
NMI, Authorize.net, Fluid Pay and SwipeSimple all include a virtual terminal. We’ll recommend one based on how you bill. Compare gateways.
Can I use it alongside my countertop terminal?
Yes. Both can run under the same merchant account, with deposits and reporting in one place.
Get paid without the card in hand.
Tell us how you take payments today and we’ll set up the virtual terminal and pricing that fit.