Virtual Terminal: Process ACH and Credit Cards

Paygasus provides a secure, web-based Virtual Terminal for accepting card and ACH payments in a browser, no physical device required. Complete core transaction actions in one place: Sale, Authorize, Capture, Void, Refund, and Credit.

What Virtual Terminal Payments Enable

Virtual terminal payments are keyed transactions submitted through a secure form in the merchant portal by authorized users. This supports remote and back-office workflows such as invoice collection, customer service payments, and mail and telephone orders, without card-present hardware.

EDUCATIONAL INSIGHT

Standardized entry controls (required fields and basic format validation) help reduce preventable errors and keep processing consistent across teams.

SALES BENEFIT

Support remote sales and service workflows with a browser-based payment tool that’s easy to govern, quick to set up, and built for daily operations.

  • Consolidate common transaction types in one workspace.
  • PCI-compliant and easy to use web-based interface.
  • Direct navigation to key actions (Sale, Authorize, Capture, Void, Refund, Credit).
  • Transparent pricing designed to keep fees predictable.

Virtual Terminal Key Features

MOTO CSR Payments

Sale Processing

Immediate Settlement Flagging

A Sale is authorized by the issuing bank and immediately flagged for settlement. A Sale may be voided prior to settlement; once settled, the transaction must be reversed through a Refund.

Role-Based Access Control

Authorization Control

Authorize vs. Capture

Authorize reserves funds but does not flag the transaction for settlement. Capture marks an existing authorization for settlement; on supported processors, the captured amount can be equal to or less than the original authorized amount.

Audit & Compliance

Flexible Capture Workflows

Transaction ID or Transaction Search

Captures can be completed by entering a known transaction ID in the Capture flow or by locating the authorization in Reporting → Transaction Search and initiating Capture from the transaction detail view. This supports both direct entry and review-first workflows.

Comparison: Virtual vs. Physical Terminals

See how virtual terminals compare to traditional physical terminals across key business dimensions.

Aspect Virtual Physical
Cost Lower Higher
Flexibility High Limited

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Maximize Successful Transactions

Paygasus delivers controlled keyed-entry processing with role-based access, consistent actions, and clear Void vs. Refund handling. Use Sale for immediate settlement flagging or Authorize + Capture for delayed settlement, while transparent fees and fast activation help reduce operational overhead.

BUSINESS IMPACT

Centralize keyed card and ACH payments in a controlled virtual terminal with standardized transaction handling end to end.

  • Enforce role-based governance with permissions and transaction controls.
  • Support Sale and Authorize + Capture workflows.
  • Enable Credits only as needed, typically after risk approval.
  • Seamless onboarding with merchant setup, users/permissions, processor configuration.

How to Set Up Virtual Terminal

Follow these four steps to start processing payments.

1

Login

Access the secure Virtual Terminal portal with your credentials.

  • Secure login
  • Multi-factor auth
  • Role-based access
2

Enter Details

Input customer payment information securely via the web interface.

  • Card details
  • Customer info
  • Order amounts
3

Process

Submit the transaction for real-time authorization and processing.

  • Real-time authorization
  • Fraud screening
  • Instant approval
4

Receipt

Generate and send digital receipts to customers automatically.

  • Email receipts
  • Transaction records
  • Audit trail

Frequently Asked Questions

A virtual terminal is a secure web-based interface used to process transactions such as sale, authorize, capture, void, refund, and credits when enabled.

A sale is authorized and flagged for settlement, while an authorization reserves funds without settlement until a capture is completed.

A void cancels an unsettled transaction before settlement and is always the full amount, while a refund reverses a settled transaction and can be full or partial up to the original amount.

MOTO payments are for mail order/telephone order transactions.

Virtual terminal fees are low for Paygasus, with transparent pricing.

Ready to Simplify Phone & Mail Order Payments?

Get started with Paygasus virtual terminal today.

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