Accept Card Payments Over the Phone with Secure Virtual Terminals
Transform any web browser into a secure card payment terminal. Take telephone orders, send Pay-By-Link requests, and manage repeat billing with zero hardware.
Virtual Terminals
UK Enterprise Implementation
Overview of Virtual Terminals
A Virtual Terminal allows your team to take Mail Order and Telephone Orders (MOTO) by securely typing customer card details into an encrypted online dashboard. Ideal for office-based businesses, trade suppliers, and service providers who don't interact with customers face-to-face.
Who Is This Solution Suitable For?
How UK Businesses Use This in Daily Operations
Designed to deliver seamless, uninterrupted trading across busy customer environments.
Boutique & Retail Stores
Fast queue-busting card transactions at the till with full contactless tap and digital receipts.
Cafés, Pubs & Dining
Table-side card payments, bill splitting, and high-speed Wi-Fi / 4G roaming connectivity.
Mobile Trade & Pop-Ups
All-day battery life and roaming multi-network 4G SIMs that ensure you never miss a sale.
Key Benefits for Your Business
Zero Physical Hardware Needed
Access the terminal from any web browser on desktop, laptop, or tablet.
Pay-By-Link Functionality
Generate secure SMS or email payment links so customers can enter their own card details.
Multi-User Staff Permissions
Grant individual staff logins with restricted visibility to prevent full card numbers being exposed.
Important Considerations & Limitations
Financial and payment solutions must be evaluated transparently. Here are key factors to consider prior to applying:
Transparent Fee & Pricing Factors
Every business carries a different transaction profile. Your final costs are calculated based on:
- ✓Monthly portal access fee (typically £10 – £15 + VAT)
- ✓Per-transaction MOTO processing charges
How to Get Started with Virtual Terminals
User Account Provisioning
Secure web login credentials generated for your team.
Customer Interaction
Enter card details while on the telephone with the customer, or trigger an instant Pay-By-Link.
Instant Receipt
Real-time payment confirmation and automated customer email receipt.
Eligibility & Documentation Checklist
To streamline underwriting and account verification, ensure your business satisfies standard UK criteria:
Frequently Asked Questions about Virtual Terminals
Is taking card payments over the phone PCI-DSS compliant?+
Yes, our recommended virtual terminals adhere to strict PCI-DSS Level 1 security standards, ensuring sensitive cardholder data is tokenised and never stored on your local computer.
Ready to Explore Virtual Terminals for Your Business?
Speak with our UK payment and commercial finance team today for a transparent, bespoke comparison tailored to your trading volume.
Independent UK Consultancy • Transparent Rates • Dedicated Support