$100B+
Processed
annually
annually
Payments · Features
Virtual Terminal Payment Processing
Securely accept keyed card and ACH payments from anywhere using the Paygasus virtual terminal. Designed for remote environments when the customer is not physically present, our browser-based solution empowers your team to easily process back mail order, and telephone order payment workflows without relying on a physical terminal.
Keyed entry · browser workspaceIllustrative
Card number
4242 4242 4242 4242
Expiry
09 / 28
CVV
•••
Amount
$248.00
Charge →
Accept a payment from anywhere.
Card · ACH · phone · mail order
The keyed-entry layer — proven across remote operations
Card +
ACH keyed,
no hardware
no hardware
6
Transaction
actions
actions
3,400+
Locations across
50 states + DC
50 states + DC
1,350+
Cities
served
served
30
Countries
operating
operating
What it is
Accept payments anywhere your customers are
Equip your team to seamlessly collect payments through a secure merchant portal when card-present hardware isn't an option. Paygasus provides secure, controlled transaction handling tailored for billing teams and customer service staff managing keyed payments, invoice collections, phone orders, mail orders, and back-office workflows.
Controlled payment entry
Keyed payments can create operational risk when staff use inconsistent processes or unclear transaction actions. Paygasus helps teams standardize how payments are entered, reviewed, captured, voided, refunded, or credited.
Operational value
Instead of routing remote payments through disconnected manual steps, teams can use one browser-based workspace for keyed payment entry, authorized user access, transaction review, receipts, and follow-up.
- Accept keyed card and ACH payments without a physical terminal.
- Support remote, invoice, phone order, mail order, and back-office workflows.
- Use Sale, Authorize, Capture, Void, Refund, and Credit actions from one workspace.
- Give authorized users a governed way to handle keyed payment activity.
Virtual terminal key features
Enter, settle, and follow up — in one workspace
A browser workspace for keyed payments, with settlement control and review built in.
Take Remote Payments Without a Device
Browser-Based Payment EntryProcess keyed card and ACH payments from a secure browser-based workspace when customers pay by phone, mail, invoice, or through a back-office service workflow instead of presenting a card in person.
Control When Payments Settle
Sale, Authorize, and CaptureUse Sale when a payment should be flagged for settlement right away, or Authorize and Capture when teams need to reserve funds first and complete settlement after review or confirmation.
Manage Voids, Refunds, and Follow-Up
Transaction Search and ReviewHelp staff use the correct action after a payment is entered. Void unsettled transactions, refund settled transactions, capture eligible authorizations, and use transaction search to support review-first workflows.
The right action, every time
Six actions, keyed to settlement state
Most virtual terminals expose the same buttons regardless of context. Paygasus ties each action to where the payment sits — so staff void what hasn't settled and refund what has.
Transaction actions
governed by user accessSale
Process a keyed payment and flag it for settlement right away.
Immediate
Authorize
Reserve funds on the card without settling, pending review or confirmation.
Held
Capture
Complete settlement on an eligible prior authorization.
Auth → settled
Void
Cancel a transaction before it settles.
Unsettled only
Refund
Return funds on a transaction that has already settled.
Settled only
Credit
Issue a standalone credit when enabled for approved workflows.
When enabled
The difference
Virtual terminal vs. physical terminal
See how a virtual terminal solves remote and back-office payment needs differently than a card-present payment device.
| Payment Need | Virtual Terminal | Physical Terminal |
|---|---|---|
| Remote Payment Entry | Accept keyed card and ACH payments through a secure browser-based workspace. | Primarily supports in-person card-present payments at a counter, desk, or field location. |
| Phone and Mail Orders | Supports MOTO workflows when staff need to process payments without the customer physically present. | Less suited for remote order handling because the device is built around card-present acceptance. |
| Invoice and Back-Office Payments | Fits billing, customer service, invoice collection, internal payment operations, and follow-up transactions. | Better suited for face-to-face checkout, service counters, and card-present payment locations. |
| Transaction Actions | Supports controlled access to Sale, Authorize, Capture, Void, Refund, and Credit actions from one workspace. | May support common actions, but workflows are tied to device access and on-site handling. |
| Hardware Requirements | No dedicated payment terminal is required for browser-based keyed entry. | Requires physical payment hardware, deployment, maintenance, and user access to the device. |
| Governance | Helps teams control who can process keyed payments, which transaction actions are available, and how payment records are reviewed after entry. | Access is often tied to device availability, location, and in-person transaction flow. |
Need a controlled way to process remote payments?
Talk to a specialist →Why Paygasus
Controlled keyed payment processing
Paygasus helps teams accept payments when the customer is not physically present while keeping keyed transaction activity more consistent and easier to manage.
Business impact
Centralize keyed card and ACH payments in a controlled virtual terminal so staff can process remote payments, use the right transaction action, and review payment records without depending on physical terminal access.
- Support authorized staff who need to take payments remotely.
- Use Sale and Authorize + Capture workflows based on settlement needs.
- Separate Void and Refund handling based on transaction status.
- Support merchant setup, user access, and processor configuration.
How it works
How Paygasus supports keyed payment workflows
Support remote and back-office payment teams with controlled access, clear transaction actions, and searchable records for follow-up.
01
Control Staff Access
Give authorized team members access to the payment workspace based on their responsibilities.
- Authorized users
- Payment permissions
- Transaction controls
02
Collect Payment Details
Enter the customer, payment, and amount details needed for card or ACH processing.
- Card or ACH details
- Customer information
- Payment amount
03
Choose the Transaction Action
Select the right action based on whether the payment should be processed, authorized, captured, voided, refunded, or credited.
- Sale
- Authorize + Capture
- Void or Refund
04
Review Records and Follow Up
Use transaction records and search workflows to review payment activity, capture eligible authorizations, support receipts, and manage customer follow-up.
- Transaction records
- Transaction search
- Receipts and follow-up
Questions
Frequently Asked Questions
Yes. Paygasus virtual terminal payment processing supports keyed card and ACH payments for remote, back-office, invoice, phone order, mail order, and customer service payment scenarios where the customer is not physically present.
Paygasus supports separate workflows for Sale, Authorize, Capture, Void, Refund, and Credit actions. This helps staff understand whether a payment should be processed immediately, held for later capture, cancelled before settlement, or reversed after settlement.
Paygasus helps teams keep keyed payment actions organized by settlement status and user access. Staff can void unsettled transactions, refund settled transactions, capture eligible authorizations, and use credits when enabled for approved workflows.
Yes. Paygasus supports virtual terminal workflows for MOTO payments, invoice collection, customer service payments, billing teams, and other back-office scenarios where staff need to enter payment details without a physical terminal.
Paygasus gives staff a controlled browser-based workspace for keyed card and ACH payments instead of relying on disconnected manual steps. Teams can enter payment details, choose the right transaction action, review records, and support follow-up for phone, invoice, mail order, and back-office payment workflows.
Paygasus supports governed virtual terminal access by helping teams manage who can use the payment workspace and which transaction actions are available. This helps reduce confusion in keyed payment environments where refunds, credits, captures, and voids need consistent handling.
Open the keyed-entry layer
Ready to Simplify Phone & Mail Order Payments?
Use Paygasus’ virtual terminal payment processing to support controlled keyed card and ACH workflows for remote, back-office, billing, invoice, and customer service payment operations.