Credit Cards

Processing Power: Top Virtual Terminal Credit Card Processing Services Reviewed

In the world of online transactions, having a reliable virtual terminal credit card processing service is crucial for businesses. This article reviews the top virtual terminal credit card processing services available in the market. Key Takeaways is best known for its feature-rich gateway services. NMI stands out for its payment processor versatility. Cybersource excels…

In the world of online transactions, having a reliable virtual terminal credit card processing service is crucial for businesses. This article reviews the top virtual terminal credit card processing services available in the market.

Key Takeaways

  • is best known for its feature-rich gateway services.
  • NMI stands out for its payment processor versatility.
  • Cybersource excels in international eCommerce.
  • Braintree offers convenient merchant services.
  • Stripe is highly recommended for its extensions.

1. stands out as a feature-rich gateway suitable for businesses seeking a robust payment solution. As a Visa solution, it provides both payment gateway services and payment processing, with an option for a payment gateway-only plan.

Features include:

  • Advanced Fraud Detection Suite (AFDS)
  • Customer Information Manager (CIM)
  • Account updater for recurring payments
  • Easy API integration
  • PCI compliance simplifies the payment process with a user-friendly payment button, making it effortless for customers to transition to the payment portal.

Pricing for the Payment Gateway Only Plan starts at $25 per month, catering to businesses that require a dedicated gateway service without the added processing capabilities.

2. NMI

NMI stands out in the realm of virtual terminal credit card processing services for its versatility and the sheer volume of options it provides. With NMI, businesses can select from over 200 payment processors and various shopping carts, ensuring compatibility and flexibility for different business models.

Key Features:

  • Advanced reporting
  • Transaction management
  • Multiple merchant account connections
  • QR code transactions
  • Unique tokenization

NMI’s unique tokenization feature enhances security by replacing sensitive card details with a unique identifier, mitigating the risk of data breaches.

Pricing for NMI is not disclosed on their website, which means businesses interested in their services must reach out directly to obtain a custom quote. This approach allows NMI to tailor pricing to the specific needs of a business, considering factors such as revenue and business type.

3. Cybersource

Cybersource stands out as a premier payment gateway for international eCommerce, offering a highly customizable platform that caters to a global customer base. With the ability to accept payments in over 190 countries and support for multiple languages and currencies, Cybersource is a go-to solution for businesses looking to expand their reach worldwide.

Key Features:

  • Accepts payments globally in more than 190 countries
  • Partnerships with over 200 processors
  • 24/7 merchant support
  • Transactions via QR codes
  • Unique tokenization feature

Cybersource is not only versatile but also trusted by major American companies such as ACCOR, Harley-Davidson, and ZUMBA. Its robust support and innovative features like QR code transactions and tokenization make it a reliable choice for merchants aiming to provide seamless payment experiences to customers across the globe.

Cybersource’s international customizability and extensive processor partnerships make it an invaluable asset for any eCommerce business targeting a worldwide audience.

4. USAePay

USAePay stands out as a robust solution for businesses seeking omnichannel payment capabilities. Acquired by NMI in 2021, USAePay has been a reliable payment service provider since 1998, now offering enhanced options through NMI’s platform.

USAePay’s features include an in-depth database, standard fraud detection, and comprehensive transaction reporting. These tools are designed to support merchants in managing their payments across various channels effectively.

Pricing for USAePay is not listed publicly due to the custom nature of their service packages. Businesses are encouraged to contact USAePay to discuss tailored pricing options that align with their specific needs.

USAePay’s integration with NMI allows access to a wide range of payment solutions, making it a suitable choice for merchants operating in multiple countries and seeking to partner with numerous processors. The platform’s 24/7 merchant support and unique tokenization feature further enhance its appeal for businesses prioritizing security and continuous assistance.

5. Braintree

Braintree, a subsidiary of PayPal, stands out as a comprehensive payment gateway provider that caters to a diverse range of merchant services. Braintree’s versatility is evident as it integrates with merchant accounts, PayPal, Google Pay, and offers built-in fraud detection tools. It’s a preferred choice for major companies like Basecamp, Dropbox, and Airbnb, due to its capability to handle mobile and international payments efficiently.

Pricing for Braintree’s services is competitive, with a standard transaction fee of 2.59% + $0.49 for all card and digital wallet payments. This fee encompasses the full cost of their payment processing service, rather than just the standalone payment gateway services.

Braintree’s platform is designed to provide added control over payments by allowing the bundling of a merchant account with the payment gateway, which is particularly beneficial for businesses seeking a seamless payment experience.

6. Stripe

Stripe has been a significant player in the payment processing landscape since 2010, focusing on providing an all-in-one payment solution particularly suited for online transactions. The platform’s ease of integration into websites makes it a go-to for eCommerce businesses looking to streamline their payment systems.

Key features of Stripe include:

  • Acceptance of over 135 currencies
  • A broad range of integrations with various extensions
  • Round-the-clock merchant support through phone, chat, or email
  • Advanced fraud prevention tools

Stripe’s pricing model is designed to be transparent, with a standard rate for in-person payments set at 2.9% + $0.30 per transaction. For businesses with high volumes of transactions, Stripe offers customized pricing options upon request.

Stripe stands out for its extensive support and commitment to security, making it a top choice for businesses of all sizes. Whether you’re a small startup or a large enterprise, Stripe’s scalable solutions can accommodate your payment processing needs.

7. PayPal

PayPal stands out as a trusted payment gateway with a significant presence in the payment landscape. With over 425 million users in 2022, PayPal’s widespread adoption speaks to its reliability and user trust. The platform offers features such as easy API integration, customizable checkout, transaction reporting, and recurring payments, catering to a broad range of payment processing needs.

PayPal’s gateway solutions, Payflow Link and Payflow Pro, cater to different business needs. Payflow Link provides a PayPal-hosted checkout portal with robust security features and PCI compliance, while Payflow Pro offers unlimited customizations and language options for a more tailored experience.

For businesses considering PayPal for payment processing, it’s important to note that additional fees apply. These fees vary depending on the services used, such as advanced fraud protection and buyer authentication, which are priced per transaction plus a monthly fee.

8. Square

Square stands out as a versatile payment processing service, catering to both online and in-person transactions. It’s particularly well-suited for retail businesses, offering a seamless experience with full integration of Square hardware.

Square’s payment gateway is known for its security features and user-friendly portal, making it a popular choice among merchants. While specific standalone pricing for the payment gateway is not provided, the standard fees for online payments are competitive at 2.9% + $0.30 per transaction.

For businesses that require additional services, Square offers:

  • Recurring Billing: $10 per month
  • Advanced Fraud Protection: $0.10 per transaction + $10 per month
  • Buyer Authentication: $0.10 per transaction + $10 per month

Square’s ecosystem is designed to provide a cohesive experience, whether you’re selling online or face-to-face with customers.

Merchants looking to streamline their payment processes will find Square’s offerings to be robust and accommodating, with the added benefit of no long-term contracts or hidden fees.

9. Amazon Pay

Amazon Pay is particularly beneficial for frequent Amazon users. Launched in 2007, it has gained popularity for its ease of use, allowing customers to pay on third-party websites using their Amazon account details, bypassing the need to re-enter payment information.

Features of Amazon Pay include:

  • Advanced fraud prevention
  • Integration with Alexa
  • Wide acceptance on numerous websites

Amazon Pay’s seamless integration with the Amazon ecosystem makes it a trusted and convenient option for online shoppers.

Amazon Pay’s pricing structure is as follows:

Transaction Type Fee
Web and Mobile Payments 2.9% + $0.30 per transaction + $0.40 authorization fee
Alexa Payments 4% + $0.30 per transaction + $0.40 authorization fee

Note that additional fees may apply for cross-border transactions, chargebacks, and other services.

10. Apple Pay

Apple Pay stands out as the optimal payment gateway for users deeply integrated into the Apple ecosystem. With just a few taps and either facial recognition or a password, transactions are securely authenticated and completed on any Apple device.

To integrate Apple Pay, most existing payment gateways require a simple activation within their settings. This seamless addition to your website or mobile app enhances the customer experience by utilizing Apple’s robust verification tools.

Apple Pay’s convenience for iPhone users is unmatched, making it a compelling choice for businesses aiming to provide a frictionless payment process.

While the specific fees for using Apple Pay may vary depending on the platform, it’s important to consider the potential costs associated with enabling digital wallets on social media apps, website platforms, or through other payment gateways.

11. Shopify Payments

Shopify Payments simplifies the online payment process for merchants by integrating directly into the Shopify eCommerce platform. Launched in 2010, it’s designed to provide an all-in-one payment solution, particularly focusing on online transactions.

Key features include:

  • Acceptance of over 135 currencies
  • Seamless integration with a wide range of extensions
  • Round-the-clock merchant support through phone, chat, or email
  • Advanced fraud prevention tools

Shopify Payments stands out for its ease of embedding into websites, streamlining the acceptance of payments and managing all financial transactions within the Shopify ecosystem.

Pricing for Shopify Payments is competitive, with transaction fees varying based on the Shopify plan selected by the merchant. This integration eliminates the need for a separate payment gateway, reducing complexity and potentially lowering costs.

12. WePay

WePay stands out in the global payment gateway market by offering services in more than 190 countries and partnering with over 200 processors. Their 24/7 merchant support ensures that businesses can rely on assistance at any time. One of the unique features of WePay is the ability to take transactions via QR codes, which can be particularly useful in today’s mobile-driven commerce environment. Additionally, WePay’s tokenization feature enhances security by replacing sensitive payment data with unique identification symbols.

WePay’s approach to pricing is tailored to the specific needs of each business, which means that you must contact the company to discuss options that align with your business model. This custom pricing strategy is common among payment gateway providers, as it allows for more flexibility and potentially better rates for merchants.

While WePay does not publicly disclose its pricing, the emphasis on custom solutions suggests that they offer packages that can be adjusted based on the services required and the scale of your business operations.

13. Adyen

Adyen is a global payment company offering a multi-channel payment solution that is particularly well-suited for international merchants. Adyen’s platform is designed to simplify the payment process, accepting a wide variety of payment methods including credit cards, mobile payments, and even cryptocurrencies.

  • Accepts over 135 currencies
  • Integrates with a wide range of extensions
  • Provides 24/7 merchant support via phone, chat, or email
  • Features advanced fraud prevention tools

Adyen’s comprehensive solution caters to businesses of all sizes, ensuring secure and efficient transactions across different sales channels.

With its robust API, Adyen facilitates seamless integration with existing systems, making it a preferred choice for businesses looking to expand their reach globally. The company’s commitment to continuous innovation ensures that merchants are always at the forefront of payment technology.

14. Worldpay

Worldpay stands out as a comprehensive payment processing solution that caters to a wide range of businesses. It offers a robust platform for managing transactions both online and in-person, making it a versatile choice for merchants. Worldpay’s services extend globally, allowing businesses to accept payments in multiple currencies and from various payment methods.

Key features of Worldpay include fraud prevention tools, data analytics, and seamless integration with existing systems. Their customer support is available 24/7, ensuring that merchants have assistance whenever needed.

Worldpay’s flexibility in payment processing makes it an ideal partner for businesses looking to expand their reach both domestically and internationally.

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15. Payline Data

Payline Data stands out for its comprehensive suite of services tailored to various business needs, from online virtual terminals to mobile payment solutions. The service is known for its adaptability, offering payment gateways, shopping carts, and industry-specific solutions.

Payline Data’s pricing structure is transparent and competitive, with a focus on providing value to businesses of all sizes. Here’s a quick overview of their gateway subscriptions:

  • Payflow Link: $0.10 per transaction
  • Payflow Pro: $0.10 per transaction + $25 per month

Additional features such as Recurring Billing and Advanced Fraud Protection are available for a nominal fee, ensuring businesses can customize their service package to fit their unique requirements.

Payline Data’s commitment to security and compliance is evident in their offerings, which include PCI compliance and advanced fraud protection services, ensuring that both businesses and their customers are safeguarded against potential threats.

With a range of integrations available, Payline Data makes it easy for businesses to incorporate payment processing into their existing systems, whether they operate in retail, mobile, or eCommerce sectors.

16. 2Checkout

2Checkout is a global payment platform that offers a suite of services tailored for businesses looking to accept payments online. With a focus on international transactions, 2Checkout supports multiple payment methods, including credit cards, debit cards, and PayPal, across over 200 countries and territories.

  • Global Reach: Accept payments in over 200 countries.
  • Payment Options: Supports a variety of payment methods.
  • Security: Advanced fraud protection and security measures.
  • Integration: Easy integration with popular eCommerce platforms.

2Checkout’s adaptability to different markets and currencies makes it a versatile choice for merchants aiming to expand their global footprint.

Merchants can benefit from 2Checkout’s comprehensive analytics and reporting tools, which provide valuable insights into sales trends and customer behavior. The service also offers localized buying experiences, which can help increase conversion rates by providing customers with familiar payment options and languages.

17. Skrill

Skrill is a global payment service provider that offers a comprehensive online payment gateway solution. It caters to a wide range of industries, including retail, gaming, and financial services. Skrill’s platform is known for its user-friendly interface and the ability to handle international transactions with ease.

Key features of Skrill include:

  • Acceptance of multiple payment types such as credit cards, bank transfers, and e-wallets.
  • Support for over 40 currencies, facilitating cross-border transactions.
  • Integration with various eCommerce platforms and shopping carts.
  • Advanced security measures and anti-fraud tools to protect merchants and customers.

Skrill’s emphasis on security and global reach makes it a preferred choice for businesses looking to expand their online presence internationally.

Pricing for Skrill’s services is competitive, with various options to suit different business sizes and volumes. Merchants can benefit from Skrill’s 24/7 customer support, ensuring any issues are promptly addressed.

18. Payoneer

Payoneer stands out as a global payment gateway, facilitating business transactions in over 190 countries. Catering to a wide range of industries, Payoneer has become a go-to solution for international merchants seeking a reliable and expansive payment network. Partnering with more than 200 processors, they offer robust 24/7 merchant support, ensuring that help is always at hand.

One of Payoneer’s notable features is the ability to take transactions via QR codes, which enhances the customer experience by offering a quick and contactless payment option. Additionally, their unique tokenization feature adds an extra layer of security to transactions, safeguarding both merchant and customer data.

Pricing for Payoneer’s services is not publicly listed, as they provide custom pricing tailored to the specific needs of each business. This approach allows for more personalized service but requires potential clients to contact Payoneer directly to discuss options.

For businesses looking to expand their reach globally, Payoneer presents a compelling option with its extensive network and specialized features.

19. QuickBooks Payments

QuickBooks Payments offers a seamless integration with QuickBooks accounting software, making it a go-to choice for businesses that prioritize streamlined bookkeeping. The service provides a variety of payment solutions, including options for mobile payments, ACH, eCheck, and cryptocurrency transactions.

QuickBooks Payments is known for its competitive pricing structure, which includes a monthly fee for recurring billing and additional charges for advanced fraud protection and buyer authentication. This makes it an attractive option for small to medium-sized businesses looking for a cost-effective payment processing solution.

QuickBooks Payments stands out for its ability to handle a diverse range of payment types and its straightforward integration with accounting processes, which can significantly reduce administrative overhead for businesses.

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20. Dwolla

Dwolla is a sophisticated payment platform that specializes in bank transfers, also known as ACH payments. It offers a flexible API that integrates with applications for seamless bank transfers, making it a popular choice for businesses that handle large volumes of ACH transactions.

  • Customization: Dwolla’s API allows for extensive customization to fit various business needs.
  • Security: The platform places a high emphasis on security, with robust measures to protect financial data.
  • Scalability: Suitable for businesses of all sizes, from startups to large enterprises.

Dwolla’s focus on ACH payments positions it uniquely in the market, providing a specialized service that supports both recurring billing and one-time transactions.

While Dwolla does not support credit card processing directly, its niche in facilitating bank transfers can be a cost-effective solution for certain business models. The platform’s pricing is tailored to the specific needs of each business, so interested parties should contact Dwolla for a custom quote.

21. BlueSnap

BlueSnap is a global payment service provider that offers a comprehensive suite of payment solutions. It caters to a wide range of industries, including retail, mobile, and e-commerce, and supports a variety of payment methods such as credit cards, ACH, eCheck, and cryptocurrency transactions.

The platform is known for its zero-cost integrations and virtual terminals that streamline the payment process for businesses. BlueSnap’s flexibility allows for easy integration with shopping carts, payment gateways, and other e-commerce tools, making it a versatile choice for merchants looking to expand their payment options.

BlueSnap’s robust features and global reach make it an excellent option for businesses aiming to provide a seamless payment experience to customers worldwide.

With its ability to handle multiple currencies and languages, BlueSnap is particularly well-suited for international transactions, offering merchants the opportunity to tap into new markets and cater to a global customer base.

22. Payza

Payza is a global online payment platform that offers a comprehensive suite of services for both individuals and businesses. It facilitates international transactions with a focus on security and ease of use. Payza’s platform is designed to cater to a wide range of payment needs, from e-commerce to remittances, making it a versatile choice for users worldwide.

  • Accepts payments in more than 190 countries
  • Partnered with over 200 processors
  • Provides 24/7 merchant support
  • Enables transactions via QR codes
  • Features unique tokenization for added security

Payza’s emphasis on global accessibility and security makes it a noteworthy option for those looking to process payments internationally. While pricing details are not publicly listed, Payza encourages potential clients to contact the company directly for a custom quote, ensuring tailored solutions for diverse business needs.

23. Klarna

Klarna stands out in the virtual terminal credit card processing space with its unique approach to payments. Klarna’s ‘Pay later’ options have revolutionized the way consumers shop online, offering flexibility and convenience. With Klarna, merchants can offer their customers the option to pay for their purchases over time, which can increase conversion rates and average order values.

Klarna’s services are not just limited to ‘Pay later’ options. They also provide direct payments, pay now, and installment plans, catering to a wide range of consumer preferences.

Klarna’s integration capabilities are extensive, supporting a variety of platforms and shopping carts. This makes it an excellent choice for businesses looking to streamline their online payment processes. Additionally, Klarna’s focus on mobile commerce aligns with the growing trend of consumers making purchases on their smartphones.

Here are some of the key features of Klarna:

  • Accepts multiple payment methods
  • Offers strong fraud prevention tools
  • Provides 24/7 merchant support
  • Seamless integration with online stores

Klarna’s commitment to providing a smooth and secure shopping experience for both merchants and consumers alike has made it a popular choice among online retailers.

24. BitPay

BitPay stands out as a payment gateway for merchants looking to accept cryptocurrency payments. It’s a platform that caters to the growing demand for digital currency transactions, offering a secure and user-friendly way to process payments in Bitcoin and other cryptocurrencies.

  • Accepts a variety of cryptocurrencies including Bitcoin, Ethereum, and more.
  • Provides real-time conversion rates to ensure accurate pricing.
  • Offers a straightforward API for easy integration into existing systems.

BitPay’s focus on blockchain payments positions it as a unique player in the virtual terminal credit card processing landscape, providing merchants with an alternative to traditional payment methods.

For businesses interested in tapping into the cryptocurrency market, BitPay provides a gateway that’s not only compliant with industry standards but also forward-thinking in its approach to payment processing. The service is designed to be intuitive, reducing the barrier to entry for merchants new to cryptocurrency transactions.

25. Sage Pay and more

As we round up our review of top virtual terminal credit card processing services, Sage Pay stands out for its comprehensive solutions tailored for businesses of all sizes. Sage Pay, now known as Opayo, offers a secure and reliable platform that supports a variety of payment methods, including credit cards, online payments, and mobile transactions.

Sage Pay’s services are designed to integrate seamlessly with your business operations, providing features such as fraud prevention tools, 24/7 merchant support, and the ability to accept over 135 currencies. Their emphasis on security is evident through their commitment to PCI compliance, ensuring that customer data is handled with the utmost care.

Sage Pay’s versatility extends to various industries, including retail, mobile, and eCommerce, making it a versatile choice for merchants looking to expand their payment options.

While Sage Pay caters to a broad market, it’s important to note that the payment landscape is ever-evolving, with new players and technologies emerging regularly. Businesses should stay informed and consider their unique needs when selecting a payment processing service.


In conclusion, the world of virtual terminal credit card processing services offers a wide range of options for businesses looking to streamline their payment processes. From top eCommerce payment gateways to secure virtual terminals, the industry continues to evolve to meet the needs of various industries and business models. As technology advances, businesses can expect even more innovative solutions to enhance their online payment experiences. Choosing the right virtual terminal credit card processing service is crucial for ensuring smooth transactions and building trust with customers. Stay informed, stay secure, and stay ahead in the world of online payments.

Frequently Asked Questions

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

A payment gateway allows customers to pay directly for goods and services online, while a virtual terminal allows a merchant to input credit card details to process payments. Virtual terminals are often a feature of a payment gateway.

Are payment gateways built into eCommerce platforms?

In some cases, eCommerce platforms have their own payment gateways that you can seamlessly integrate into your website. Other eCommerce platforms allow you to integrate your choice of payment gateway to shop.

What is a virtual terminal?

A virtual terminal is a tool that allows merchants to manually input credit card information to process payments, typically used for phone or mail orders.

How do payment gateways and virtual terminals benefit businesses?

Payment gateways and virtual terminals streamline payment processing, enhance security, and provide convenience for both customers and merchants.

Can a virtual terminal be used without a payment gateway?

Typically, virtual terminals are integrated within a payment gateway system. However, some standalone virtual terminal services may be available for specific business needs.

What features should businesses look for in a virtual terminal service?

Businesses should consider features such as ease of use, security measures, compatibility with different payment methods, reporting capabilities, and integration options with other business tools.

John DoeJ

Leo the Card Bonus Guy

Leo, known as "Leo the Card Bonus Guy," is an expert in finding the top credit card bonuses. With years of experience, he's become a master at uncovering the best deals and teaching others how to do the same. His simple and effective tips help readers maximize their rewards without the hassle. Leo's passion for sharing his knowledge has made him a go-to source for anyone looking to get the most out of their credit cards.Follow on Twitter/X