Virtual terminal processing for phone, mail order, and back-office transactions.

Almost every client uses a virtual terminal alongside their online payments setup. A virtual terminal is a secure web-based interface that lets your team accept card payments without a physical card reader: for phone orders, mail orders, deposit-on-future-delivery transactions, B2B collections, recurring charges, and the everyday back-office processing that runs your business when the customer is not in front of you.

Our virtual terminal is integrated directly with your merchant account, which means the same interchange-plus pricing, the same dedicated MID, the same nine-banking-partner approval architecture, and the same human support apply to every transaction. There is no separate aggregator. There is no separate risk pool. There is no algorithm that can decide your phone order looked suspicious.

For travel operators handling deposit-on-future-delivery transactions, for B2B services collecting against invoices, for clinics and wellness practices processing card-on-file payments, the virtual terminal is often the most-used part of the entire merchant account. We treat it accordingly.