Kyle Hall— CEO of PayKingsKyle has built his over 10 year career around high-risk payment processing and SaaS development, developing a deep understanding of the payment solutions business owners need. In addition to equipping high-risk merchants with payment processing tools for success, he has also founded PulseCRM (a CRM built specifically for the needs of the payment industry). Kyle’s focus has always been on creating practical systems and strategies that help businesses scale, not just in theory, but in practice.
Get approved in as little as 24 hours. No setup fees, no hidden costs.
Accept credit and debit card payments from any browser — no card reader, no POS hardware. A PayKings virtual terminal merchant account bundles underwriting, a secure payment gateway, and a web-based terminal in a single application.
A virtual terminal by itself can't move money. To key in a customer's card and get paid, you need three connected pieces — and a PayKings virtual terminal merchant account delivers all three through a single application:
Card-not-present flow
Your team enters card details straight into the browser-based virtual terminal. AVS and CVV checks verify the card before it routes to the processor for authorization.
Agent keys card
Manual entry
Virtual terminal
Browser-based
AVS & CVV
Card verified
Processor
Auths the sale
Approved
Payment captured
Every keyed transaction moves through your virtual terminal, payment gateway, and merchant account in four steps.
Your virtual terminal runs in the browser on a phone, tablet, Mac, or PC — no card reader or POS hardware required.
Enter the customer's card details from a phone order, mail order, or invoice — or send a secure pay-by-link.
Card data is encrypted and tokenized, screened with AVS and CVV checks, and routed for real-time approval.
Review transaction history, issue refunds, run batches, and manage recurring billing from the same dashboard.
A virtual credit card terminal turns any internet-connected device into a point of sale. Key in credit and debit card payments for card-not-present orders — no swipe, no dip, no extra hardware. Because keyed transactions carry more risk than swiped ones, PayKings layers in protection that keeps your approval ratio high and your processing costs in check:
Square, Stripe, and Clover all offer virtual terminals — until your industry, chargeback ratio, or ticket size trips their risk rules and the account is frozen. PayKings virtual terminal merchant services are built for both low-risk and high-risk merchants: we underwrite your business up front and place it with an acquiring bank that accepts your vertical.
Every account is backed by chargeback management and fraud tooling, so you can process credit card, debit card, and card-not-present transactions with confidence. Whether you sell supplements, run a collection agency, or operate a telehealth practice, our team matches you with banking partners that understand your business model.
Follow these steps to set up your virtual terminal merchant account and start accepting credit and debit card payments.
Complete our straightforward online application designed for virtual terminal merchants.
Provide the standard supporting documents our underwriting team needs to review your business.
Our experienced team guides both low-risk and high-risk merchants through the approval process.
Begin accepting credit card payments through your virtual terminal in as little as 24 hours.
Built for the businesses other processors turn away.
Everything you need to know about high-risk payment processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
