eCom Pay’s Virtual Terminal transforms your computer or smart device into a secure payment processing station, enabling your business to accept card payments remotely when customers are not physically present.
This web-based solution is ideal for businesses that frequently take orders or payments over the phone, allowing you to process transactions securely while maintaining PCI compliance.
Our Virtual Terminal requires no specialised hardware and can be accessed from any internet-enabled device, making it perfect for businesses of all sizes that need flexibility in how they accept payments.
Whether you’re operating a call centre, taking telephone bookings, or processing remote orders, our Virtual Terminal provides a professional, secure way to complete transactions.
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Lower Fees than Stripe and PayPal: Benefit from competitive transaction fees that are more affordable than mainstream providers, improving your profit margins on every sale.
Faster Settlements: Access your funds more quickly with expedited settlement times, enhancing cash flow management and supporting business growth.
Multi-Device Compatibility: Access your Virtual Terminal from any desktop computer, laptop, tablet, or smartphone with an internet connection.
Comprehensive Transaction Management: Process one-time payments, set up recurring billing, issue refunds, and void transactions all from a single interface.
Detailed Customer Records: Store customer information securely for faster future transactions while maintaining full PCI compliance.
Real-Time Reporting: Access comprehensive transaction data, including successful payments, declines, and detailed analytics to track business performance.
User Permission Controls: Create accounts for multiple staff members with customised access levels to maintain security and accountability.
Advanced Fraud Protection: Benefit from built-in security features including Address Verification Service (AVS) and card security code validation to minimise fraudulent transactions.
Call Centres and Telephone Sales
Overview: Ideal for businesses that regularly process orders over the phone, providing a secure way to accept payments without exposing sensitive card information.
Key Benefits: Streamlined order processing, reduced payment friction, enhanced security compliance, and lower transaction fees compared to major providers.
Use Cases: Product orders, service bookings, membership sign-ups, and subscription renewals all handled seamlessly over the phone.
Professional Services and Consultants
Overview: Perfect for service providers who invoice clients and need to accept payment over the phone or process retainer fees and deposits.
Key Benefits: Professional payment processing, detailed transaction records for accounting, recurring billing options, and faster access to funds.
Use Cases: Consultation fees, retainer payments, service deposits, and invoice payments processed quickly and securely.
Hospitality and Travel
Overview: Essential for hotels, restaurants, and travel agencies that take bookings and reservations over the phone requiring deposits or prepayment.
Key Benefits: Secure payment capture for reservations, flexible transaction options including deposits and full payments, and comprehensive booking records.
Use Cases: Room reservations, event deposits, tour bookings, and catering pre-orders all processed without requiring in-person payment.
Retail and Mail Order
Overview: Valuable for retailers accepting orders via phone or mail, particularly for businesses with catalogues or those serving customers who prefer ordering by phone.
Key Benefits: Expanded sales channels beyond in-store and online, ability to serve customers who prefer traditional ordering methods, and consistent payment processing across all channels.
Use Cases: Catalogue orders, phone-based re-orders from repeat customers, and special item requests processed efficiently and securely.
Enhanced Security and Compliance
Our Virtual Terminal is built with security at its core, featuring PCI DSS compliance, data encryption, and fraud prevention tools. This comprehensive approach protects both your business and your customers from potential fraud and data breaches while simplifying your compliance requirements.
Improved Operational Efficiency
Streamline your payment acceptance process with a user-friendly interface designed for speed and accuracy. Save time on transaction processing, reconciliation, and reporting, allowing your team to focus on delivering exceptional customer service rather than managing payment logistics.
Cost-Effective Payment Processing
With lower transaction fees than major providers like Stripe and PayPal, and no monthly equipment rental costs, our Virtual Terminal offers significant cost savings. These reduced expenses directly improve your profit margins while providing a professional payment solution.
Comprehensive Business Tools
Beyond basic payment processing, our Virtual Terminal includes valuable business tools such as customer management, recurring billing, detailed reporting, and transaction analytics. These features provide insights into your sales patterns and customer behaviour, helping you make informed business decisions.
24/7 Expert Support
Like all eCom Pay solutions, our Virtual Terminal is backed by round-the-clock technical support and dedicated account management. Our UK-based team is always available to assist with any questions or technical issues, ensuring smooth payment operations.
A virtual terminal is a web-based interface that allows businesses to process card payments when customers are not physically present. It transforms any internet-connected device into a payment processing station, enabling merchants to manually enter payment details provided over the phone, by email, or mail order. eCom Pay’s Virtual Terminal provides a secure, PCI-compliant environment for accepting these remote payments without needing physical card terminals.
The primary function of a virtual terminal is to securely process card-not-present transactions. With eCom Pay’s Virtual Terminal, merchants can manually enter customer card details, process payments, set up recurring billing, issue refunds, and manage customer information—all from a secure web interface. It serves as a complete payment processing solution for businesses that take orders remotely, particularly over the phone, and need a reliable way to accept payments without a physical storefront.
eCom Pay’s Virtual Terminal is a prime example, allowing businesses to log into a secure merchant portal, enter transaction details (amount, currency, customer information), input card data provided by the customer over the phone, and process the payment in real-time. Other examples include PayPal’s Virtual Terminal, Stripe Terminal, and Square’s Virtual Terminal—though eCom Pay offers lower transaction fees and faster settlements than these major competitors.
A payment gateway is primarily designed to process online transactions where customers enter their own payment details through a website or app. In contrast, a virtual terminal is specifically built for merchants to manually key in card details on behalf of customers who provide information over the phone or by mail. While a payment gateway connects your website to payment networks, a virtual terminal is a standalone interface that doesn’t require website integration. eCom Pay offers both solutions, with our Virtual Terminal requiring no development work to implement.
eCom Pay’s Virtual Terminal offers numerous advantages: it requires no special hardware or equipment, enables payment acceptance from anywhere with internet access, provides lower transaction fees than major providers, delivers faster fund settlements, offers comprehensive transaction management, supports detailed reporting and analytics, enables recurring billing capabilities, and maintains strict security standards to protect sensitive data. It’s especially beneficial for businesses that take orders by phone or need a flexible backup payment solution.
A physical terminal (card machine) requires the customer’s card and presence to process payments, while a virtual terminal allows merchants to manually enter card details when customers aren’t physically present. Physical terminals need specific hardware and often incur rental fees, while virtual terminals work on existing devices (computers, tablets, smartphones) with no additional equipment costs. eCom Pay’s Virtual Terminal offers the flexibility of remote payment processing without the expense and limitations of physical terminals.
An online payment terminal, often used interchangeably with “virtual terminal,” is a web-based interface that allows merchants to process payments online when customers aren’t physically present. eCom Pay’s online payment terminal provides a secure environment to manually enter payment details, process transactions, manage customer information, and generate comprehensive reports—all through a standard web browser with no special software installation required.
Using eCom Pay’s Virtual Terminal is straightforward: first, log into your secure merchant portal using your unique credentials. Enter the transaction details including the amount, currency, and any reference information. When your customer provides their card details over the phone, input this information into the secure form. Submit the transaction for processing, and you’ll receive instant confirmation of approval or decline. You can then send an automated receipt to your customer via email or SMS, completing the transaction professionally and securely.
Yes, eCom Pay’s Virtual Terminal adheres to the highest security standards in the payment industry. It’s fully PCI DSS compliant, employs end-to-end encryption for all data transmission, includes fraud prevention tools such as Address Verification Service (AVS) and CVV validation, and provides secure user authentication with customizable permission levels. These comprehensive security measures protect both your business and your customers from potential fraud while ensuring you remain compliant with payment industry regulations.
Virtual terminals are particularly valuable for call centers, mail-order businesses, professional service providers (consultants, lawyers, accountants), hospitality businesses (hotels, restaurants taking reservations), travel agencies, subscription-based businesses, event organizers, educational institutions, healthcare providers, and any business that frequently processes payments over the phone. eCom Pay’s Virtual Terminal is designed to meet the specific needs of these diverse business types with features tailored to enhance their payment operations and customer service.
eCom Pay’s Virtual Terminal represents a strategic investment in your business’s payment infrastructure, customer service capabilities, and operational efficiency. This versatile solution delivers the perfect combination of security, flexibility, and reliability that modern UK businesses need when accepting payments over the phone.
By implementing our Virtual Terminal, you’re not just gaining a payment processing tool – you’re enhancing your customer experience, expanding your payment acceptance capabilities, and gaining valuable business insights. With lower transaction fees than major competitors and faster settlement times, the financial benefits are immediate and significant.
Contact our UK-based team today for a no-obligation consultation and personalised quote tailored to your specific business requirements. Experience firsthand how our Virtual Terminal can transform your phone payment operations and help your business thrive in today’s diverse payment landscape.