Payment Solutions

Virtual Terminal Payment Processing and Gateway

Secure and flexible card-not-present payment processing for businesses of all sizes

Industry-Leading Security

24/7 Technical Support

Fast Integration Process

Competitive Pricing

Scalable Solutions

Compliance Ready

Empower Your Business with Advanced Virtual Terminal Capabilities

Our virtual terminal solutions are designed to meet the diverse needs of modern businesses. Accept payments anywhere with our virtual credit card terminal. We'll get you set up to accept credit card payments quickly. Here's what we offer:

Process payments from anywhere with just an internet connection
Accept various payment types including credit cards, ACH, and eChecks
Set up recurring payments for subscription-based services
Enhance security with advanced fraud prevention tools
Access detailed reporting and analytics for better financial management

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Get Started with our Virtual Terminal Solutions

Follow these steps to set up your virtual terminal for credit and debit card payments.

Complete our online application

Begin with our straightforward online application process designed for virtual terminals.

Provide necessary documentation

Submit the required documents to support your application.

Leverage our underwriting expertise

Our experienced team will guide you through the underwriting process for both low and high-risk merchants.

Accept Credit Card Payments

Begin accepting payments using a virtual terminal within a week or two.

Why Choose PayKings for Your Virtual Terminal Needs?

In today's diverse business landscape, the ability to process payments remotely or without a physical card present is crucial. At PayKings, we offer robust virtual terminal solutions designed to provide flexibility, security, and efficiency for businesses of all types and sizes. Get started with secure payment processing today!

How Do Our Virtual Terminal Solutions Benefit Your Business?

Our virtual terminal services enable you to process credit card payments from anywhere, at any time, using just a computer or mobile device with internet access. Whether you're processing phone orders, managing recurring billing, or need a flexible solution for remote work, our virtual terminal solution provides the tools you need to streamline your payment operations and grow your business.

Virtual Terminal Services

Versatile Payment Processing

Credit and debit card processing
ACH and eCheck payments
Recurring billing setup
Customizable payment fields
Multi-user access with role-based permissions
Batch processing capabilities

Flexible Accessibility

Cloud-based solution accessible from anywhere
Mobile-responsive design
Integration with existing systems
Support for multiple currencies
Real-time transaction updates
24/7 availability

Enhanced Security

PCI DSS compliance
Tokenization of sensitive data
Address Verification Service (AVS)
Card Verification Value (CVV) checks
Fraud screening tools
Secure user authentication

What is a virtual terminal?

A virtual terminal allows you to accept credit and debit cards no matter where you are. It is a web-based app that allows you to turn any device with an internet connection: A phone, tablet, laptop, etc. into a POS system that can accept payments. You will also need to set up a merchant account and secure payment gateway to connect to the terminal. A virtual terminal also does more than allow you to accept customer payments. Look over your transaction history or issue refunds as well.PayKings offers a virtual terminal solution that includes a merchant account and other necessary payment processing services. Begin accepting credit and debit card payments from your computer or phone quickly.

Virtual Terminal FAQ

Everything you need to know about high-risk payment processing

A virtual terminal is a secure web application or software that lets you process credit card payments without needing a physical payment terminal or card reader. Using their web browser, customers can enter payment card details manually, including the card security code, to complete a financial transaction. Virtual terminals are also perfect for mail order, phone orders, and invoicing customers directly.

Virtual terminal payment processing makes it easy to accept card payments instantly, reducing time spent on accounts receivable and helping you maintain steady cash flow. Plus, features like automated clearing house (ACH) support make it simple to handle direct debit payments.

Businesses in retail, brick and mortar, ecommerce, or service industries like customer relationship management can all use virtual terminals. They're especially popular for omnichannel merchants who need to process online shopping, mail order, or telephone payments.

Yes! Virtual terminals can connect with accounting software, inventory tools, and shopping carts via API integrations. Some options, like Clover Virtual Terminal, Square POS, and Stripe, also support mobile app features for on-the-go sales, but unfortunately aren't the best option for high risk merchants.

All virtual terminal solutions offered by PayKings meet Payment Card Industry Data Security Standards (PCI DSS). Features like encryption, tokenization, and credit card vaults protect customer information and minimize fraud.

You can process all major cards including Mastercard, Visa, and American Express, along with Apple Pay, mobile payment options, gift cards, and even Afterpay for installment payments.

Processing fees vary depending on your business type, monthly volume, and provider. Common costs include per-transaction fees, payment gateway fees, and potential processing fees for chargebacks or cross-border transactions. Always review your contract details for transparency.

Virtual terminals can be used on smartphones (Android or IOS), mobile phones, tablets, Macs, and PCs. Some solutions offer USB credit card readers for in-person transactions, and you can send payment links directly to customers for convenience.

Most virtual terminal systems (including PayKings') let you create custom invoices, send email receipts, and keep detailed transaction records. Having this ability helps with accounting, tax preparation, and customer experience.

Yes! You can automate billing for subscriptions or monthly payments using features like automation tools in your virtual terminal, helping improve customer engagement and ensure steady revenue.

PayKings's customer service team will eagerly help you with onboarding and helping to solve your payment processing needs. To reach out to our customer service team please fill out the form found on this page or reach out to us through our telephone number.

PayKings, unlike many other payment processors that provide virtual terminals, is designed to meet the needs of high risk payment processors. While many processors offer basic virtual terminals, PayKings goes further by pairing that technology with advanced fraud protection, chargeback management strategies, and access to high-risk merchant accounts. This means your business can securely process credit card, debit card, and CNP (card-not-present) transactions without constant fear of account closures.

Depending on your provider, virtual terminals can process payments in multiple currencies and support sales in locations like Canada or abroad, expanding your reach beyond local customers.

A virtual terminal empowers you to boost sales, streamline transaction processing, accept online shopping orders—all while giving customers a seamless, secure checkout experience.

Ready to Start Processing?

Get approved in as little as 24 hours. No setup fees, no hidden costs.

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