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FREE Virtual Terminal
Accept payments by phone and increase sales and conversions by a massive 70%

Virtual terminals

What is a Virtual Terminal?

The virtual terminal is available for FREE with all our online payment accounts

As part of our payment solution we provide a free virtual terminal to enable your business to process credit card transactions over the phone (also known as MOTO payments).

Designed to be used on a range of devices and screen sizes, it can be accessed from anywhere with a secure internet connection. You simply login to your secure virtual terminal and enter the credit card information in a secure browser.

Information is encrypted using Thawte 2048 bit encryption systems and our sophisticated risk management security.

* Please note that for certain high risk and adult businesses we may not be able to provide a Virtual Terminal, and will only provide an ecommerce solution with 'soft' 3D secure enabled (all enrolled cards go through verification, non-enrolled cards are processed normally without 3D)

How does it work?

1. Customer orders by phone with credit card
2. Login to the Virtual Terminal or VPoS
3. Enter the following details:
Customer Information - Name, Phone, Email, Address
Payment Information - Amount, Card Number, CVS
4. Click 'Process'
5. The terminal processes the transaction(s)

Please click here to view an online demo

On the move

The Virtual Terminal has been designed to be used on a range of devices and screen sizes. Therefore it can be accessed from anywhere with a secure internet connection.

Virtual Terminal Features and Benefits

When you're ready to process payments either over the phone or face to face, simply login and enter your customer card details

Call centre and sales staff

No more waiting to process one transaction before another can be taken.

Our Virtual Terminal has been designed to allow multiple users at multiple locations at any one time. Perfect in a call centre environment. We also allow different levels of security access for call centre and sales staff.

What are the benefits?

No complex software to install
Web-based processing format
Allows simultaneous access
Intelligent and easy to use screen
Comprehensive financial reporting
Set-up automated recurring payments **
No additional monthly fees
** Only with our high risk account. With our Standard account recurring payments can be set-up manually using the API or via Batch upload

What are the costs?

Depending on the account you choose depends on the pricing

Prices start from 1.6% + 20p per transaction and £10 a month

Please note that the virtual terminal is only FREE (unlike our competitors we do not charge an extra monthly fee) when combined with one of our online payment solutions.

What you need to accept card payments via the virtual terminal

Like all virtual terminals, it must be used in conjunction with a merchant account and gateway to operate.
All of which we provide as a single payment solution.

Internet Merchant Account

A Merchant Account is an account opened through an acquirer that is a member of the Visa and MasterCard and which allows merchants to accept cards. The merchant account verifies and processes card and customer information. This includes checking to see if the details supplied are correct (address, card number etc.) and if the card has been reported stolen.

Payment Gateway

A payment gateway acts as an intermediary between your website and all the banking systems. This is a seamless process and your customer does not interact with the gateway. The credit card and customer details are submitted via the gateway, which securely sends the information through the relevant financial networks to the merchant account.

All our costs and fees are easy to understand with no hidden application or exit fees


With the Virtual Terminal you can pre-authorise an amount, such as a deposit. You can then cancel the transaction, complete it or just simply let the pre-authorisation expire after 7 days. **

As an example, lets say you own a vehicle rental company. You pre-authorise a deposit of £500 and then take a second (authorised) payment of £140 for the actual hire of the vehicle. Once the vehicle comes back safe and sound you simply cancel the pre-authorised amount of £500 (or let it expire), however if it comes back dented and scratched, you complete (or post-authorise) the transaction for the full £500. The customer is now debited, and the funds that are made over to your account.

Please note that unfortunately we don’t support partial settlements after authorisation.

To complete a set of transactions that are currently on hold you can either complete each of the transactions individually or using the batch release facility you can automatically release any number of transactions by uploading a single batch file - all done within your CMS

** MasterCard recently announced changes on how authorisations for Recurring transactions and MOTO payments have to be sent. MasterCard is no longer allowing pre-authorisations for Recurring and MOTO to be sent out for all MasterCard transactions. Instead, MasterCard now states that Recurring and MOTO transactions must be sent out as final authorisations.


Get started today ...
Simply choose and click on your business from the drop down menu and we will redirect you to the account we can provide

Thawte Security
Data Protection Act 1998: Reg No. Z3544745
Anti-Money Laundering Registration No.12709698
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