Accept payments
Take a card over the phone without buying a single piece of hardware.
A secure browser screen that keys card payments, stores customers as tokens, emails receipts and reports properly. If your orders arrive by phone, email or fax, this is the right tool — and it is included with the gateways we place.
- No hardware, no install — works on any computer or tablet
- AVS and CVV capture on every keyed transaction
- Saved customer profiles for repeat billing
- User permissions and an audit trail per transaction
What you get
Virtual terminal, set up properly.
Six things that actually matter, and what each one does for your business.
Keyed sales, auths and refunds
Run a sale, pre-authorize a deposit, capture later, or refund a prior transaction by reference instead of re-keying a card. All from the same screen.
AVS and CVV built in
Address and security-code verification are not optional on keyed transactions. They reduce fraud, and passing them correctly keeps the transaction in a better interchange category.
Customer profiles
Save a customer once and bill them again without touching a card number. Useful for anyone with regulars, standing orders or monthly service work.
Emailed receipts and payment links
Send a receipt at the moment of sale, or skip keying entirely and text the customer a secure payment link so they enter their own card.
User-level permissions
Separate logins per employee, with refund and void rights controlled individually. Every transaction is stamped with who ran it — which matters the first time a number does not reconcile.
Multi-location and multi-user
One login structure across locations with reporting rolled up or split, so an office manager sees their store and you see everything.
Who actually needs one
Anyone whose orders do not arrive in front of a terminal. Wholesale and B2B shops taking phone reorders. Service businesses collecting a deposit before scheduling. Professional offices billing after the visit. Contractors invoicing on completion. Mail-order and catalog sellers. Nonprofits taking pledges.
In every one of those cases the alternative is writing card numbers on paper, which is both a PCI violation and a liability nobody needs.
Keyed transactions cost more, and here is how to blunt that
A keyed transaction has no chip and no card present, so interchange is higher and fraud liability sits with you. That is unavoidable. What is avoidable is paying more than you have to:
- Always pass AVS and CVV — skipping them downgrades the transaction
- Settle the batch daily; aged authorizations get repriced
- Pass Level 2 data on commercial cards, which can cut the rate materially on B2B work
- Use ACH instead of cards for large, repeat, low-margin invoices
Security housekeeping
Never store a card number in a spreadsheet, a CRM note field or a paper file. Tokenize the customer in the gateway and the number stops existing on your side, which removes both the temptation and the exposure.
Use individual logins rather than one shared account. It costs nothing and it is the difference between an investigation and a guess.
Accounts placed through our processor and banking network
Free statement analysis
Let's get virtual terminal right on your account.
Send one recent statement and we will show you what changes, in writing, with the arithmetic on the page. No contract and no obligation either way.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Virtual terminal questions
The platform is. Your obligation is to complete the correct self-assessment questionnaire and to follow basic practices: individual logins, no card numbers written down, and no storing card data outside the gateway vault.
Related solutions