Increase Your Payment Processing with Virtual Terminals
Virtual terminals are excellent options for merchants who wish to accept credit cards but who don't want to invest in new equipment or extensive training. Virtual terminals function in a very similar way to conventional credit card swipers, except for the fact that they run on personal computers or laptops by connecting with a secure online payment gateway. This means that any office or front desk with a desktop computer can be converted into a point of sale with just a USB card swiper and a software installation, which eliminates the need for a dedicated phone line. Virtual terminals are just as secure as traditional card swipers, but they often come with additional benefits like sales reporting, multiple user support, third-party software integration, and the ability to recharge cards without the customer present.
Finding the right virtual terminal for your business can be tricky, so we've put together a list of the top virtual terminals that we have reviewed. The merchant account providers who sell these virtual terminals are known to offer fair, transparent pricing in addition to excellent customer support, so the odds are good that you can find a solid deal within this group. In addition, each provider will have different features, add-ons, and integrations such as online checkout pages, web hosting, receipt printers, mobile solutions, and QuickBooks integration. In order to secure the best deal and the most appropriate fit for your company, be sure to contact multiple providers on this list.
How to Select the Best Virtual Terminal Credit Card Processor
If you are running a Virtual Terminal business in the USA, there are some important factors to consider when selecting the best credit card processor.
Security and Compliance
The payment processor should comply with the Payment Card Industry Data Security Standards (PCI DSS) to ensure the security of the transactions. The processor should also use end-to-end encryption and tokenization to protect sensitive customer data.
The credit card processor should accept a variety of payment methods, including credit cards, debit cards, and e-checks. It's also essential to ensure that the processor accepts all major credit cards, including Visa, Mastercard, American Express, and Discover.
Credit Card Processing Fees and Rates
Look for a processor that offers transparent pricing with no hidden fees. The fees charged by the processor, such as transaction fees, monthly fees, and chargeback fees, should be reasonable and competitive.
The processor should be easy to integrate with your Virtual Terminal platform, allowing you to process payments seamlessly. It should also be compatible with the software and hardware you are using.
Reliable Customer Support
It's crucial to choose a processor that provides excellent customer support, especially if you are new to the industry. Make sure the processor offers 24/7 support and has a responsive customer service team.
Consider the reputation of the credit card processor in the industry. Look for a company with a proven track record of providing reliable payment processing services and excellent customer support. You can consider our review on this website, by simply searching for the processor in the search bar at the top of this page.
Some credit card processors offer additional features such as fraud protection, chargeback management, and recurring billing. These features can be beneficial for Virtual Terminal businesses.
By considering these factors, you can select the best credit card processor for your Virtual Terminal business in the USA, ensuring secure and seamless payment processing for your customers.
Top Picks for Virtual Terminal Merchant Services
#1 Host Merchant Services
Top Rated Credit Card Processing Service
Host Merchant Services is a Newark, Delaware-based merchant account provider that offers a versatile, proprietary virtual terminal in addition to other web-based services. The company's Transaction Central virtual terminal is capable of check imaging, ACH processing, recurring payments, wireless processing, batch processing, and multi-location networking. Host also offers point-of-sale systems, online marketing tools, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested merchants.
Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company's customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”
WhyHMS is a good choice for Virtual Terminal Payment Processing
Host Merchant Services (HMS) is a top-rated credit card processing service provider that offers seamless and secure Virtual Terminal payment processing solutions to small businesses. For business owners who sell Virtual Terminal products and need to accept credit card payments from customers, HMS is an excellent option to consider.
HMS provides a user-friendly Virtual Terminal that can be easily integrated into your website, making it easy for your customers to pay for your Virtual Terminal products using their credit cards. With a simple checkout process, your customers can make payments conveniently and securely.
Flexible Payment Options
HMS offers multiple payment options, including credit and debit cards, ACH, and eCheck, allowing you to provide a range of payment options for your customers. This flexibility increases the chances of making sales and improves customer satisfaction.
With HMS, you can be assured of secure and reliable transactions. HMS uses advanced security measures to protect your customers' sensitive information, ensuring that your customers' data is never compromised.
HMS offers competitive rates for Virtual Terminal payment processing, making it an affordable option for small businesses. You can save on transaction fees while still enjoying quality services.
Host Merchant Services is an excellent choice for small businesses that sell Virtual Terminal products and need to accept credit card payments. With easy integration, flexible payment options, secure transactions, and competitive rates, HMS can help you streamline your payment processing and improve your bottom line.
Top Rated Merchant Account Provider
Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high-risk business types. The company's products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud provides a virtual terminal that serves both e-commerce and MOTO merchants so that they can easily accept payments remotely outside of a storefront. Furthermore, PaymentCloud can integrate websites with online shopping carts to facilitate sales on any website or mobile app. For these reasons, PaymentCloud is an excellent option for any merchant seeking a virtual terminal provider.
PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant's business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”
Why PaymentCloud is the Best Virtual Terminal Payment Processing Option for Small Businesses
Small business owners who sell Virtual Terminal products need a reliable and secure payment processing solution to accept credit card payments from their customers. PaymentCloud is a great option for small businesses looking for a robust Virtual Terminal payment processing solution.
Caters to a Global Customer Base
PaymentCloud's Virtual Terminal offers a simple and efficient way to accept payments from customers, allowing merchants to easily key in customer credit card information through a secure online interface. With PaymentCloud's Virtual Terminal, businesses can accept credit card payments from customers anywhere in the world, making it an ideal solution for businesses with a global customer base.
Efficient and Secure User Interface
PaymentCloud's Virtual Terminal is also designed to be user-friendly and easy to navigate, allowing merchants to quickly and efficiently process payments without the need for complex training or technical knowledge. This feature is especially useful for small businesses with limited resources and staff, as it enables them to streamline their payment processing operations and focus on their core business activities.
Features Tailored Specifically to Small Business Needs
Furthermore, PaymentCloud offers a range of features that are tailored specifically to the needs of small businesses, including fraud prevention tools, chargeback management, and reporting and analytics. These features help businesses to mitigate risk, improve cash flow, and optimize their payment processing operations, making PaymentCloud the best option for small businesses that sell Virtual Terminal products.
PaymentCloud's Virtual Terminal payment processing solution offers small businesses a reliable, secure, and user-friendly way to accept credit card payments from customers buying Virtual Terminal products. With its range of features designed specifically for small businesses, PaymentCloud is the ideal solution for merchants looking to optimize their payment processing operations and focus on growing their business.
Top Rated for Virtual Terminal Credit Card Processing
CDG Commerce is a privately owned Chesapeake, Virginia-based merchant account provider that has offered internet processing solutions since 1998. The company's virtual terminal is offered as part of its Quantum Gateway and includes AVS, recurring billing, tokenized payments, a hosted payment page, Authorize.net emulation, API integration, and ACH processing.
CDG Commerce offers fixed per-transaction fees with month-to-month contracts and no early termination fees. The company has a remarkably low complaint total considering the fact that it has been in business and growing since 1998 and has retained the same ownership during that time. Our review of CDG Commerce gives the company an “A+” rating, and the BBB also gives CDG Commerce an “A+.”
Virtual Terminal Payment Processing with CDG Commerce
CDG Commerce is a top-rated credit card processing service provider for small businesses that offer Virtual Terminal products. The company's Virtual Terminal payment processing system offers numerous advantages to business owners who sell products online and need to accept credit card payments from customers. Here are some reasons why CDG Commerce is an excellent option for small business owners who offer Virtual Terminal products.
Secure and Reliable Payment Processing Services
CDG Commerce offers secure and reliable Virtual Terminal payment processing services. Their platform is fully encrypted, ensuring that all sensitive customer information is protected from hackers and fraudsters. This means that business owners can rest assured that their customers' payment data is safe when they use CDG Commerce's Virtual Terminal payment processing system.
Flexible Payment Processing Options
CDG Commerce offers flexible payment processing options for Virtual Terminal products. Their platform allows business owners to accept payments via a wide range of credit and debit cards, including Visa, MasterCard, American Express, and Discover. This flexibility enables business owners to cater to a broad customer base and streamline the payment process for their customers.
CDG Commerce offers competitive pricing for their Virtual Terminal payment processing services. Unlike other credit card processing companies, CDG Commerce does not charge any hidden fees or setup costs. This makes it easier for small business owners to manage their finances and scale their businesses without worrying about exorbitant processing fees.
CDG Commerce is an excellent option for small business owners who offer Virtual Terminal products and need to accept credit card payments from customers. Their secure and reliable Virtual Terminal payment processing system, flexible payment options, and competitive pricing make them a top choice for small businesses looking to streamline their payment processing and grow their businesses.
eMerchantBroker is a Los Angeles, California-based company that offers high-risk e-commerce processing solutions including access to payment gateways and virtual terminals. The company’s products include credit card processing, ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims.
eMerchantBroker offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”
eMerchantBroker: A Trusted Name in Virtual Terminal Payment Processing
Virtual Terminal payment processing is a crucial aspect of online business operations. It allows businesses to accept payments from customers remotely, without the need for physical card swiping or insertion. For business owners selling Virtual Terminal products, it's essential to have a reliable payment processing partner. eMerchantBroker offers a top-notch Virtual Terminal payment processing service that caters to the unique needs of businesses selling Virtual Terminal products.
Easy Integration with Virtual Terminal Products
One of the significant advantages of using eMerchantBroker for Virtual Terminal payment processing is the ease of integration with Virtual Terminal products. eMerchantBroker provides a seamless integration process, allowing businesses to accept payments quickly and easily. This integration includes customizable payment pages and secure checkout features, ensuring that the customer's payment experience is smooth and hassle-free. Additionally, eMerchantBroker supports a variety of Virtual Terminal products, making it an ideal choice for businesses that sell different types of Virtual Terminal products.
Secure Payment Processing
When it comes to Virtual Terminal payment processing, security is of utmost importance. eMerchantBroker ensures secure payment processing by utilizing the latest encryption and fraud prevention technologies. This means that business owners can rest assured that their customers' payment information is safe and secure. Furthermore, eMerchantBroker's Virtual Terminal payment processing service complies with all industry security standards and regulations, ensuring that businesses stay compliant with all necessary requirements.
Competitive Rates and Fees
Another benefit of using eMerchantBroker for Virtual Terminal payment processing is their competitive rates and fees. They offer transparent pricing with no hidden fees, making it easy for business owners to understand their payment processing costs. This can help businesses save money, especially those that are just starting and need to maximize their resources.
eMerchantBroker is an excellent option for business owners selling Virtual Terminal products and need to accept credit card payments. With their easy integration, secure payment processing, and competitive rates and fees, eMerchantBroker provides a reliable payment processing solution that businesses can trust.
Shopify is primarily known as an e-commerce platform for online merchants, though the company also offers a point-of-sale software solution for iPad and iPhone. The Shopify POS app can accept cards via a headphone jack card swiper, or a $129 EMV reader and includes features like inventory syncing with a web store, emailed receipts, automatic tax calculations, basic email marketing, and in-store refunds. These online payment options and the familiarity of the Shopify brand are great for merchants as customers will feel safe and comfortable using the service.
The Shopify payment service can also be paired with a Shopify online store, which comes with numerous customization options. Shopify POS is a great fit for merchants who would like to accept payments on-site using their phones as well as through online billing. Shopify has an “A+” rating with the BBB, and we give it an “A+” rating as well.
Why Shopify is a Great Option for Virtual Terminal Payment Processing
As a small business owner who sells virtual terminal products, you need a reliable and secure payment processing system to accept credit card payments from your customers. Shopify offers a comprehensive Virtual Terminal payment processing solution that is perfect for businesses like yours.
Accept Customer Credit Card Payments Anywhere
With Shopify's Virtual Terminal, you can securely process credit card payments over the phone or through your computer, without the need for a physical credit card terminal. This means you can accept payments from your customers no matter where they are located, making it easier to expand your customer base.
Secure Payment Processing
One of the key benefits of using Shopify for Virtual Terminal payment processing is its security features. Shopify uses industry-standard encryption to protect sensitive credit card data, ensuring that your customers' information is always kept safe. Additionally, Shopify is PCI compliant, which means it meets the strictest security standards for processing credit card payments.
User Friendly Interface
Another advantage of using Shopify for Virtual Terminal payment processing is its user-friendly interface. Shopify's system is easy to navigate, with intuitive features that make it simple to process payments, issue refunds, and manage your transactions. And with a range of reporting tools, you can easily track your sales and analyze your performance.
Shopify is an excellent option for small business owners who sell Virtual Terminal products and need a reliable, secure, and user-friendly payment processing solution. With its advanced security features, intuitive interface, and comprehensive reporting tools, Shopify can help you streamline your payment processing and grow your business.
Frequently Asked Questions: Virtual Terminal Providers Credit Card Processing
A virtual terminal provider is a service that allows businesses to process credit card transactions over the internet, without the need for a physical point-of-sale system. These providers often offer a wide range of services, including online payment gateways, mobile payment solutions, and software integrations.
The best virtual terminal provider for your business depends on several factors: your budget, your volume of transactions, the types of cards you want to accept, the type of business you operate, and any specific features you need. It's best to compare several providers, review their features and fees, and choose the one that best fits your needs.
There are many top-rated virtual terminal providers in the market. Some of the most reputable ones include Stripe, Square, PayPal, Authorize.net, and Clover. Each of these providers has different strengths, so you should consider your business needs when selecting a provider.
Providers typically charge a percentage per transaction, and some may also charge a monthly or yearly fee. Some may also charge for additional services, like fraud protection or customer support. When comparing fees, make sure you're comparing all associated costs, not just the transaction fees.
Look for providers that are PCI-compliant, which means they adhere to a set of security standards designed to ensure all companies that accept, process, store or transmit credit card information maintain a secure environment.
Yes, many virtual terminal providers offer additional services such as invoicing, recurring billing, and even customer relationship management (CRM) tools. These added features can be very beneficial for businesses looking to streamline their operations.
Absolutely. Many virtual terminal providers also offer services for physical stores, such as card readers and point-of-sale (POS) systems. This makes it easy to integrate your online and offline sales.
No, you don't need any special equipment. All you need is an internet connection and a device such as a computer, tablet, or smartphone to access the virtual terminal.
Yes, many providers offer services to help you deal with chargebacks and disputes. They can provide you with tools and resources to help manage these situations, reducing the impact on your business.
Yes, many providers support international transactions, but you should confirm this with the provider. Be aware that processing international transactions may come with additional fees.