Virtual Terminals

A virtual terminal is an online credit card terminal, commonly referred to as a payment gateway. The application is hosted from a central server location, but can be accessed for transactions from anywhere with internet access. As a merchant, you will receive a unique login credentials and be able to charge a card wherever you are, often times taking the payment over the phone.

A virtual terminal is a payment processing solution system that securely manages credit card transactions. The solutions simplify transactions and require very little action on the merchant’s end to process transactions. The system authorizes payments and transfers them to the merchant’s bank account. Credit card information is protected and encrypted in accordance with PCI-compliant standards.

Once a merchant gets approved for a merchant account, the provider of the payment processing service then provides you with a virtual terminal used to process credit card transactions. The virtual terminal can process payments via web by emailing invoice links or payments can be entered, manually. Other capabilities include the ability to: enter ACH transactions, produce receipts, issue refunds, pull historic transaction data, schedule ongoing payments, generate reporting, and process batch files.

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Do you need to transfer cardholder data from another merchant account and don’t know the first step? PaymentCloud will help with the entire migration of recurred billing subscriptions onto the new gateway, that way you your business doesn’t miss a beat.

Do you have an extensive site with custom needs, or an application that needs custom payment integration? Ask us about the developer toolbox with open API. We also have ready-to-go plugins for popular platforms like Shopify and WooCommerce.

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