Virtual Payment Terminals
Get paid even when your customers aren’t present with our virtual terminals.
As well as our solutions for web payments, we also help our customers turn any tablet, smartphone or PC into a card machine with our virtual card terminal. This provides you with a simple way to take card payments over the phone or online, without the need for a physical card machine.
- Accept card payments over the phone with an online portal
- User-friendly, fast and easy to take payment
- No technical set up or integration required
- Instant reporting to monitor transactions in real-time
- Unlimited user accounts per virtual terminal
- No minimum monthly service charge – no hidden fees
- Never miss an opportunity to make a sale
- Take deposits for bookings or services
- Free up your existing card terminal
- Offer your customers more ways to pay
What is a virtual terminal?
A virtual terminal is a secure, web-based, ‘card-not-present’ point of sale system. Instead of a card reader, customers provide their billing information without needing to be present themselves.
Card payments processed through a virtual terminal are usually taken over the phone, although mail-orders can also be processed via a virtual terminal.
When purchasing something online, customers are directed to the checkout where they fill out a secure payment form. Their virtual banking system then performs a quick security check (such as a captcha), before processing the payment.
It is called a “virtual” terminal because it works in a similar way to a card reader, but without the involvement of any physical hardware – i.e. an actual terminal.
Virtual terminals can be accessed and used from any device with an internet connection – be it on a PC, mobile, or tablet.
Keep the cost of card processing to a minimum.
Virtual terminals are great options for smaller businesses as they allow you to keep the costs of online credit card processing down. They also allow you to accept card payments at home, in the office or anywhere with an Internet connection. What’s more, you don’t necessarily need to invest in a physical point of sale terminal.
Simple and easy to use.
With low monthly fees, our virtual card terminal service is easy to use, simple to set up and saves time. All you need is a compatible merchant account, which we can provide for you.
Virtual terminals will give you the functionality of a traditional card machine, including the ability to perform refunds, reconcile transactions and process repeat payments.
Benefits for businesses and customers.
Portable card readers can be connected to your computer wirelessly or via USB, making chip and PIN technology part of the virtual terminal experience. Completing a purchase can now be just a tap or swipe away for your customers.
While pulling out a debit or credit card to type the long list of numbers isn’t a huge task, it can be a crucial hindrance for consumers. For example, time is of the essence in 10-minute reservation windows for concert tickets, or when a limited stock of popular products is released by a prestige brand.
We can help you remove this friction point for your customers by providing you with your own virtual terminal – allowing customers to pay as quickly and conveniently as possible.
What are the advantages of going virtual?
A virtual terminal offers many advantages to businesses of all types, including:
- Fast, convenient payment processing for satisfied customers
- Instant reporting for monitoring business performance
- Compatibility with all cards for the ultimate flexibility
- Back-up for existing POS systems for peace of mind
- The ability to process recurring transactions easily
What types of businesses are suited for virtual terminals?
The brilliance of virtual terminals is that they can be used by businesses of all shapes and sizes. However, the technology may be most appealing to:
- Nonprofits that host fundraisers
- Sales teams that attend trade fairs & off-site events
- Home-based businesses and freelancers
- Companies that accept orders by mail, phone or email
Companies outside of the above can also benefit from virtual terminals as a back-up for existing POS systems.
How can I set up a virtual terminal?
We will set up a merchant account and online payment portal for you. You will then receive the login details to access the Virtual terminal anywhere and simply take payments over the telephone.
What is the differences between a virtual terminal and a payment gateway?
The most significant difference between a virtual terminal and a payment gateway is that a merchant enters the customer’s card details into a virtual terminal, whereas a customer will enter their own card details into a payment gateway.
For the most part, virtual terminals are used for telephone transactions or mail-order sales. Whereas a payment gateway is required for customers to be able to make a purchase online from a merchant’s website.
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