Virtual Terminals

Accept payments via phone or mail to expand your sales channels
Secure, browser-based terminal to start processing payments within minutes
Fast, no-code setup for instant activation

Accept Virtual Terminal Payments with Paynt

Transform your device into a powerful payment processing system, enabling your business to accept card payments anytime. Our PCI DSS-compliant platform ensures your customers' sensitive card information remains secure while providing you with the flexibility to process payments remotely.

Benefits of choosing Paynt's virtual terminal include:

Enhanced Business Flexibility

Accept payments via telephone or mail expanding your sales channels and revenue opportunities.

Zero Integration Required

Our no-code setup allows you to start accepting payments immediately.

Industry-Leading Security Protection

Reduce fraud risks with encryption, tokenisation, and Address Verification Service (AVS) checks while maintaining PCI DSS compliance.

Seamless Payment Processing

Real-time transaction confirmations with rapid fund settlement.

Business Continuity Assurance

Never miss a sales opportunity even when traditional systems are unavailable.

Set up your Virtual Terminal with Paynt

Transform your business's payment capabilities with Paynt's comprehensive Virtual Terminal solution. Our platform delivers the flexibility and security needed to thrive in today's global marketplace.

Accept Payments Worldwide

Process transactions in over 100 currencies, allowing your business to seamlessly serve customers worldwide without currency barriers.

Multi-User Access & Role Management

Create multiple users with defined roles and permissions to control access across departments or remote teams.

Build-Your-Own Interface

Prefer a custom front-end? Use Paynt’s APIs and hosted checkout to build a branded Virtual Terminal experience tailored to your business.

Virtual Terminal Payment Processing That Boosts Sales

Boost sales and drive revenue with Paynt's Virtual Terminal with advanced payment processing capabilities. Maximise conversions and prevent lost opportunities with seamless phone payments, multi-currency support, and support for major payment methods.

Omnichannel Sales Flexibility

Accept MOTO (Mail Order/Telephone Order) payments by phone or email. Turn offline enquiries into completed sales through a secure, remote payment experience.
Multi-Currency Acceptance

Serve international customers by accepting payments in their local currencies.
Seamless UX

Complete customer orders fast & securely with a simple, streamlined payment process.
Multiple Payment Method Acceptance

Process various card types including credit, debit, and corporate cards, ensuring you never turn away a sale due to payment limitations.

Virtual Terminals for Card Payments

Paynt supports a diverse range of payment methods to meet the evolving needs of modern businesses and their customers. Our robust platform ensures you never miss a sale, regardless of your customer's preferred payment method.

Credit Card Processing

Our Virtual Terminal provides seamless processing for all major credit card networks, including Visa and Mastercard. Efficiently handle both domestic and international credit cards, with built-in currency conversion capabilities that simplify cross-border sales.

With advanced security features like CVV verification and Address Verification Service, merchants have access to advanced fraud prevention measures while maintaining high approval rates.

Debit Card Processing

Accept debit card transactions through manual entry, supporting major debit networks. Ensure swift authorisation and prompt settlement to boost operational efficiency, build customer trust, and reduce transaction costs.

Paynt's reliable and secure infrastructure ensures debit transactions are processed quickly, securely, and seamlessly, meeting the evolving expectations of your customers.

Accept MOTO Transactions with Paynt

Convert every phone call and email inquiry into completed sales with Paynt's secure MOTO processing solution. Our virtual terminal empowers your business to confidently accept payments remotely while protecting both your revenue and customer data.

Enhanced Security Framework

Advanced fraud protection with AVS, CVV verification, and real-time risk scoring.
Reduced PCI Scope

Built on secure hosted checkout pages, Paynt’s Virtual Terminal reduces your PCI compliance requirements to SAQ-A, significantly easing the burden of handling cardholder data.
Intuitive Interface

Streamlined Virtual Terminal user interface page designed for efficiency, reducing call handling time and human error.
Seamless Integration

Connect with your existing business systems including CRM, accounting, and inventory platforms.

Choose Paynt as Your Virtual Terminal Provider

Instant Authorisation

Experience transaction processing times that keep checkout lines moving and online conversions high.

Complete PCI Compliance

Our system maintains rigorous adherence to PCI DSS requirements, reducing your compliance burden while ensuring transaction security.

Sophisticated Tokenisation

Replacing sensitive card data with secure, anonymised tokens for safer recurring transactions.

Operational Efficiency

Capture customer and product-level data with every transaction to improve order tracking, customer management, and reporting. Define user roles and permissions to control access across teams.

Frequently Asked Questions

What is a Virtual Terminal?

A virtual terminal is a secure online application that allows businesses to manually process card payments over the internet using any connected device, without requiring physical card readers or fixed locations. This technology transforms standard computers, tablets, and smartphones into payment processing stations by providing a secure interface where merchants can enter customer card details.

Virtual terminals are specifically designed for card-not-present transactions, commonly known as MOTO (Mail Order/Telephone Order) payments, where customers provide their payment information remotely via telephone or written communication.

What is the difference between a payment gateway and a virtual terminal?

The difference between a virtual terminal and a payment gateway lies in their specific roles within the payment processing system. A virtual terminal is the tool that merchants use to initiate Mail Order/Telephone Order (MOTO) transactions by manually entering card details. The payment gateway is the infrastructure that facilitates the secure transmission and processing of transaction data behind the scenes, connecting the virtual terminal to the broader payment network.

Virtual terminals function as web-based interfaces that merchants access through standard web browsers. Payment gateways serve as technical systems that encrypt sensitive payment information and route it securely between financial institutions.

What are MOTO Payments?

MOTO payments are Mail Order/Telephone Order payments where a customer provides their payment card information to a business over the phone or through the mail, rather than in person or online. These transactions are card-not-present payments that require merchants to manually enter customer card details into a payment system, typically a virtual terminal, to complete the transaction.

What does MOTO mean in payments?

MOTO in payments means Mail Order/Telephone Order. This term refers specifically to payment card transactions where customer card details are provided either through email orders or over the telephone. MOTO represents a distinct category of card-not-present transactions where merchants manually enter payment information into a processing system without the physical card being present.

What is an example of a MOTO transaction?

An example of a MOTO transaction is when a customer calls a hotel to book a room and provides their credit card details over the phone to secure the reservation. The hotel receptionist enters the customer's card number, expiry date, and security code into a virtual terminal to process the payment. This represents a typical telephone order scenario where the physical card is not present during the transaction.

Are MOTO payments safe?

MOTO payments are safe when processed correctly through PCI DSS-compliant virtual terminals that implement multiple security layers to protect sensitive cardholder information. MOTO payments carry higher risks than face-to-face transactions due to their card-not-present nature.

The security measures that protect MOTO transactions include:

Strong encryption: Modern virtual terminals use encryption to protect data during transmission, preventing interception of sensitive information.
Address Verification Service (AVS) and CVV checks: These verification methods help confirm that the person providing the card details has access to the physical card and billing information.
Tokenisation: This technology replaces sensitive card data with non-sensitive tokens, reducing merchant exposure to card details and simplifying PCI DSS compliance.
Fraud detection tools: Multi-layer fraud analytics, IP geolocation monitoring, and transaction velocity limits help identify suspicious activities.
Enhanced authentication techniques: Methods like Requestor Initiated (3RI) authentication, phone keypad payment entry systems (IVR), or SMS/email-based passcodes add security layers.
Staff training: Properly trained personnel who follow secure handling procedures significantly reduce human error risks.

According to UK Finance, fraud related to phone/mail order transactions in the UK decreased by 28% between 2019 and 2021, suggesting that security measures and merchant awareness are improving the management of MOTO transaction risks.

How do you complete a MOTO transaction?

MOTO transactions are completed through a virtual terminal following a specific 4-step process that ensures proper handling of sensitive payment information.

The 4 steps to perform a MOTO transaction include:

Access the virtual terminal Log into the secure virtual terminal interface using provided credentials.

Enter payment details Input the customer's card number, expiry date, CVV code, billing address, and transaction amount.

Submit for authorisation Send the transaction data for processing. The system communicates with card networks and the customer's bank to verify and authorise the payment.

Complete the transaction Finalise the authorised transaction. Funds are settled to the merchant's account within 1-3 business days.

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