Back‑office Payments • Phone Orders • Invoicing
Virtual Terminal
Take payments from any browser—no dedicated hardware required. Ideal for phone orders (MOTO), back‑office billing, deposits, and one‑off or recurring invoices. Powered by the Selective Pay Gateway.
Benefits at a Glance
✓ Fast to Start
Use your existing laptop/tablet. No special terminal or app store needed; just a secure login.
✓ Phone & Mail Orders (MOTO)
Key cards securely while on the phone, collect billing info, and email or print receipts instantly.
✓ Cards & ACH
Accept Visa/MC/Amex/Discover credit (debit auto‑recognized) plus optional ACH/eCheck for lower costs.
✓ Recurring & On‑Schedule
Create subscriptions or payment plans. Auto‑retry, dunning emails, and card‑on‑file with tokens.
✓ Cost Control Options
Support for dual pricing, cash discounting, or credit‑only surcharging with automatic debit exclusion.
✓ Level 2/3 Data (B2B)
Capture enhanced data to qualify for lower eligible interchange on corporate and purchasing cards.
✓ Customer Vault
Store tokens securely for faster repeat payments—keep sensitive data off your systems.
✓ Roles & Audit
Per‑user permissions, activity logs, blind/void/refund controls, and multi‑location reporting.
✓ Integrations
Selective Pay Payment Links, simple invoicing, exports for accounting, and Gateway APIs for custom workflows.
Who Uses a Virtual Terminal?
Member‑/Client‑Facing Offices
- Clubs & pro shops (dues, events, member billing)
- Professional services (legal, accounting, marketing)
- Medical/dental/veterinary front desk (copays, balances)
Order & Collections Teams
- Distributors & wholesalers (phone orders, deposits)
- Field services (estimates, progress payments)
- Nonprofits (pledges, one‑time donations)
Security & Compliance
PCI Scope Reduction
Use a hosted, tokenized page and qualify for the simplified SAQ C‑VT where applicable. No raw card data stored on your devices.
Fraud Controls
AVS/CVV checks, velocity limits, blocklists, and optional 3‑D Secure for web flows. Audit trails on each transaction.
Data Protection
TLS 1.2+ transport, tokenization, and role‑based access. Device best practices (OS updates, screen privacy) recommended.
How It Works
- Log in to your secure Virtual Terminal from any modern browser.
- Enter payment: key card details or use ACH, choose surcharge/discount if enabled, attach invoice/PO.
- Complete the sale and automatically email/SMS the receipt. Refunds/voids and partial captures supported.
Example Flow
Subtotal $1,000.00 → Level‑2 fields (Tax, PO, Customer Code) → Credit‑only surcharge +$20.00 (auto‑exclude debit) → Total $1,020.00 → Email receipt
Feature Comparison
Capability
Hardware needed-
Best for-
ACH Support-
Level 2/3 (B2B)-
Recurring Billing-
Dual Pricing/Surcharge-
Virtual Terminal
None (browser)
MOTO, back office, invoicing
Yes (optional)
Built‑in fields
Yes (plans & schedules)
Yes (credit‑only, debit excluded)
Countertop Terminal
Dedicated device
In‑person, chip/tap/swipe
Varies
Limited
Limited
Yes
Capability
None (website)
Online self‑checkout
Yes (varies)
Via gateway
Yes
Yes
Implementation with Selective Pay
Selective Pay Gateway Options
We deploy the Selective Pay Gateway (white‑label) and configure it for your processor. That includes card‑type detection, debit exclusion for surcharges, and Level 2/3 data capture.
- Selective Pay Payment Links & simple invoicing
- Customer vault (tokens) & card updater
- User roles, IP allowlists, and audit logs
Go‑Live Checklist
- Decide program: standard, dual pricing/cash discount, or credit‑only surcharge
- Enable AVS/CVV, velocity limits, and blocklists
- Set up receipt templates, invoice branding, and tax/tip
- Train staff (60‑second script) and assign roles