Get FREE Quote

How a Virtual Terminal Works

When one runs a company and wants to take in revenue from credit cards and other sources, they must have a merchant account. Not only that, one should have many ways to take in money as it’s not wise to only use a website or other method. With this in mind, many take payments from a virtual terminal, and here is a short guide on how it works.

No equipment: When thinking about a credit card terminal, most people think of spending a lot of cash. Yes, when taking in money via the swipe method, one will have to own a machine and take the time to swipe the card to the terminal, which is connected to a phone line. This is costly, time-consuming and not really worth it anymore. However, now, one can do without the equipment and swipe the card virtually, online. This saves a person time as they won’t have to whip out the machine and swipe the card for every order.

Online too: Now, people use the Internet to shop and do their day-to-day business. For this reason, a virtual terminal is great for credit card processing as one can take in payments with almost no effort. Otherwise, when looking for credit card processing, one would have to do it over the phone, which is costly and time-consuming. For this reason, a virtual terminal is great for a merchant account holder as one can simply accept payments quickly and easily.

Connects to a merchant services provider: Just like with a terminal, one will connect to the merchant services provider. When connecting with a virtual terminal, a client will do so over the Internet. This is a faster and more effective way to communicate as one will not have to worry about slow phone lines or delays in the process. Simply put, when one swipes the card virtually, the transaction will be sent over the Internet, which is faster and more efficient. Not only that, if there is an issue with potential fraud, the virtual terminal will have an easier time catching it than a human or small company would.

Without a doubt, when looking to use a virtual terminal, one can speed up the credit card acceptance processes. In the end, it’s a cheaper and faster way to accept cards as one won’t have to deal with annoying delays, which plague people who want to take in money.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
Call Us Today!

© 2016 All rights reserved. Privacy Policy
CREDITCARDPROCESSING.COM, LLC is a registered ISO of Wells Fargo Bank, N.A. Walnut Creek, CA

*Further terms and conditions may apply. Promotion contingent upon's receipt of written competing offer(s).

**Certain restrictions may apply.

Promotional offers brought to you by

EMV® is a registered trademark owned by EMVCo LLC. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. Android™ is a trademark of Google, Inc.

Call for details.