Take a card over the phone without a terminal
Any browser becomes a payment terminal. Useful for phone orders, deposits, balance collection and the payment somebody promised to send but did not.
What you get
- Keyed card entry with AVS and CVV verification
- Card on file with tokenised storage
- Recurring schedules and payment plans
- User-level permissions and full audit trail
- Emailed and texted receipts
No hardware
Works on any laptop or tablet with a browser. Add an encrypted USB reader if you want card-present rates for walk-ins.
Fewer downgrades
AVS and CVV configured properly keeps keyed transactions from falling into the worst interchange categories.
Team-safe
Staff can charge without ever seeing a stored card number.
Built-in reporting
Search, refund and reconcile from the same screen you charged from.
Quoted from your statement, not from a rate card
We do not publish a single rate for virtual terminal because a single rate would be a guess. Your cost depends on card mix, average ticket, monthly volume, how much of it is keyed or online, and your industry's risk profile.
Send one statement. Usually within 4 hours you get your real effective rate, every fee named, and a quote you can compare line by line against what you pay now.
- No long-term contract and no cancellation penalty
- No PCI fee and no non-compliance fee
- No statement fee, no monthly minimum
- A named expert, reachable by phone
Virtual Terminal, answered
Yes, meaningfully. Card-not-present interchange is higher, and missing AVS data pushes it higher still. We configure the fields that keep it as low as possible.
Yes, tokenised. You never hold the actual number, which keeps your PCI scope small.
Yes, with underwriting sized to your average and maximum ticket so large sales do not get held.
See how virtual terminal works in your industry
Send one statement. Every fee named, back, usually within 4 hours.
It is free, there is nothing to sign and nothing to cancel. We read your current merchant statement line by line, name every fee on it — including the ones buried in the fee schedule — work out your true effective rate, and send the written analysis back, usually within 4 hours. Do not want to wait? Call 1-888-705-7896 and we will read your statement with you on the call in about 5 minutes.
Every fee named, usually within 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.