Virtual terminal
Key in a card from any browser — for phone orders, mail orders and invoices where the customer is not standing in front of you.
Take card payments online and by phone
Apply once
One application covers card processing and the virtual terminal.
We set up your gateway
VOXEPAY creates your gateway account and sends your login.
Take payments
Key in cards, send payment links and invoices, or save cards for repeat customers.
Get paid
Funds are deposited to your business bank account on your account's funding schedule.
Need more than a virtual terminal? See payment gateway, online payments, recurring billing or POS terminals for in-person sales.
Virtual terminal — common questions
What is a virtual terminal?
A virtual terminal is a secure web page where you type in a customer's card details to take a payment — for phone orders, mail orders, invoices and deposits — using any computer or phone, without a physical card machine.
Do I need a card machine to use a virtual terminal?
No. The virtual terminal works in a web browser. If you also take payments in person, it can sit alongside a countertop or wireless terminal on the same account.
Can I send invoices and payment links?
Yes. You can email or text a payment link or invoice, save customer cards securely for later, and set up recurring billing for subscriptions and payment plans.
How much does a virtual terminal cost with VOXEPAY?
The gateway behind the virtual terminal is set up by VOXEPAY and priced on your VOXEPAY pricing schedule, which you receive in writing before you start. There is no long-term contract.
Is a virtual terminal secure?
Yes. Card data is encrypted and stored by a PCI DSS Level 1 gateway, never on your computer. Fraud filters, address and CVV checks help stop stolen cards.
Are keyed-in payments more expensive than card-present payments?
Usually yes — card networks charge more for keyed and online payments because the card is not present. Your pricing schedule shows the exact rates before you sign.
A terminal without the terminal
A virtual terminal is a secure web page where an authorized member of your team enters card details manually. It suits businesses that take orders over the phone, collect deposits before an appointment, or bill a customer after the work is finished. No hardware, no integration, but it does need clear internal controls because a person is handling card data.
How the setup works for your account
Nothing to install
Log in from a laptop, tablet or phone browser. Useful for teams working from more than one location.
Multiple user logins
Give staff their own credentials so every transaction is attributable.
Saved customer records
Store a customer profile for repeat billing instead of re-keying the card each time.
Emailed receipts
Send a receipt at the moment of the sale, which meaningfully reduces confused chargebacks.
Using it safely
Restrict access
Only staff who need to take payments should have logins, and each one should be individual.
Never store card numbers yourself
Do not write card details on paper or in a spreadsheet. Use the stored-profile feature instead.
Record the authorization
For phone orders, note who authorized the charge and when. This is the evidence you need in a dispute.
Common questions
Is keyed-in card volume more expensive?
Generally yes. Keyed transactions carry more risk than dipped or tapped ones, so they are priced accordingly.
Can I use it alongside a countertop terminal?
Yes. Many merchants run both on one account.
What stops an employee from misusing it?
Individual logins, transaction-level reporting and role permissions. Review the daily batch regularly.
See what your processing should actually cost
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.