Virtual Terminal: Accept Cards Online, Free
Turn any browser into a card-not-present checkout deck. No hardware, no monthly software fee — manual key-in, ACH/eCheck, recurring billing, and invoicing built in.
What Is a Virtual Terminal?
A virtual terminal is a secure, web-based version of a physical card machine. Instead of dipping, tapping, or swiping a card, you type the card number, expiration date, and CVV directly into a browser — or send the customer a hosted payment link. It's the standard tool for taking phone orders, mail orders, B2B invoicing, and any transaction where the card isn't physically in front of you. Because there's no hardware to ship or maintain, most businesses are processing their first transaction within a day.
Everything Built Into One Console
No plugins, no add-on fees for the features most virtual terminals charge extra for
Zero Hardware Required
Any desktop, Mac, laptop, or smartphone browser becomes a banking-grade card-not-present checkout deck.
- No card reader or pin-pad to buy
- Works on any device with a browser
- Deploy in minutes, not weeks
- Pairs with USB/Bluetooth readers later if needed
Manual Key-In & MOTO
A clean, purpose-built console for phone orders, mail orders, and back-office card-not-present sales.
- Phone/mail order (MOTO) workflows
- Per-seat AVS & CVV enforcement
- Multi-user operator permissions
- Full transaction audit trail
Recurring Billing & Invoicing
Set up subscriptions and installment plans, or send a hosted pay-by-link invoice by email or text.
- Custom billing cadences
- Tokenized customer vault
- Email & SMS click-to-pay invoices
- Level 2 / Level 3 B2B data passing
Titan Cloud VT License — waived whenever your processing volume routes on our primary merchant network. No setup fee, no cancellation fee, no long-term contract.
- Manual key-in & MOTO console
- ACH / eCheck parsing fields
- Recurring & subscription billing
- Email / SMS click-to-pay invoices
- Level 2 / Level 3 data passing
- Tokenized customer vault
- Multi-seat operator permissions
- PCI-DSS Level 1 secured
Who Uses a Virtual Terminal
Phone & Mail Orders
Take a card number over the phone without ever touching a card reader.
B2B & Invoicing
Send a payment link or key in a purchase order with Level 2/3 commercial card data for better interchange.
ACH / eCheck Collection
Collect bank-funded payments alongside cards from the same console.
Service & Membership Businesses
Bill clients on a recurring schedule without chasing down a card reader.
PCI Compliant
Level 1 PCI DSS certified for maximum security
Locally Owned
Trusted by South Florida businesses
Local Support
Fort Lauderdale based team, not a call center
Same-Day Approval
Get approved and processing in 24 hours
What Our Clients Say
Join 1,000+ satisfied merchants across South Florida
"Switched to Processing Bros and immediately saved $280/month. Their team actually picks up the phone when I call."
"Finally found a processor that doesn't hide fees. Everything is transparent and their rates are unbeatable."
"The cash discount program helped us reduce processing costs by 35% without losing customers."
Simple Getting Started Process
Get approved and processing payments in as little as 24 hours
Consultation
We confirm your call volume and whether ACH, recurring billing, or Level 2/3 data passing matters for you
Console Setup
Configure your AVS/CVV rules, user seats, and invoice branding
Test Transaction
Run a sandbox key-in transaction to confirm everything routes correctly
Go Live
Start keying in transactions or sending pay-by-link invoices from any browser
Virtual Terminal Questions, Answered
What is a virtual terminal?
A virtual terminal is a secure web-based application that lets you key in credit card transactions from any browser — desktop, laptop, or phone — with no card reader or physical hardware required. It's used for phone orders (MOTO), mail orders, invoicing, and any sale where the customer and card aren't physically in front of you.
Is there a free virtual terminal with no monthly fee?
Yes. Our Titan Cloud VT License is $0/mo, waived whenever your processing volume routes on our primary merchant network — no software fee stacked on top of your processing rate, and no long-term contract.
What's the difference between a virtual terminal and a physical POS terminal?
A physical POS terminal or card reader captures payment in person — you dip, tap, or swipe a card. A virtual terminal is entirely browser-based: you manually key in the card number, expiration, and CVV (or send a hosted pay-by-link invoice) with zero hardware to buy, ship, or maintain.
Can I use a virtual terminal for recurring or subscription billing?
Yes. The console includes a built-in recurring billing engine for memberships, installment plans, and subscription cadences, plus a tokenized customer vault so you're never re-keying stored card data.
Does a virtual terminal accept ACH or eCheck payments, not just cards?
Yes. Alongside manual card key-in, the terminal includes dedicated ACH/eCheck routing and account-number capture fields, so you can process bank-funded payments from the same console as your card transactions.
Is a virtual terminal secure for phone and mail orders?
Yes — it's built on PCI-DSS Level 1 infrastructure with configurable AVS and CVV enforcement per user seat. Transactions that fail your validation rules are blocked before they ever reach the card networks, which protects your chargeback ratio on manually-keyed sales.
Ready to Take Payments Without a Card Reader?
Deploy your free virtual terminal today — no hardware to ship, no monthly software fee.