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  • Risk Mitigation
  • Tailored Solutions

Virtual Terminal Merchant Services

Don’t let chargebacks, fraud, or complex currency exchanges hold your business back. Count on PayCompass virtual terminal merchant services as your trusted partner.

The Best Virtual Terminal Credit Card Processing Company

High-risk payments, especially in credit card-not-present scenarios, can pose a challenge. At PayCompass, we specialize in navigating these complexities, making sure every transaction is secure, compliant, and efficient. We provide the tools and support you need to protect your cash flow and build customer trust. For the best terminal credit card processing, look no further than PayCompass.

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Your Partner in Payments, Your Path to Growth

At PayCompass, we do more than process payments—we power your success. As a trusted partner to thousands of businesses, we provide the technology, support, and expertise to help you scale with confidence. Whether you’re growing your revenue, expanding your customer base, or optimizing operations, we’re with you every step of the way.

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$5bn+
Processed
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6,000+
Accounts
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300+
Nationwide Agents

Why Choose PayCompass?

1

High Risk Expertise:

We take on high-risk merchant accounts with our expertise in processing over $3 billion globally as a virtual credit card terminal service that remote businesses rely on.
2

Competitive Fee Structure:

Our virtual terminal merchant services come with the satisfaction of clear, low fees tailored to your business, with no unexpected charges. We aim to work with you and support your growth.
3

Secure & Reliable:

Let us handle compliance, fraud, and chargeback protection with our secure virtual terminal credit card processing system.
4

Customized Solutions:

Our online form with minimal paperwork is easy to fill out and submit with a quickness for our virtual terminal merchant services.
“Before PayCompass, the fees weren’t great. Payment settlements typically posted 24 hours after close.”

PayCompass came in and asked to see our statements and what kind of fees we were paying with our processor – and, long story short, they were able to cut our fees significantly.rnrnWe get paid in a timely fashion. We don’t have any delays. We don’t have any problems. That was about 11 years ago, and we’ve been with them ever since.

— Mark Williams
Owner of Yota Pros
“When we first bought Gold Bar, 10% of the business was credit cards. And, now, 23 years later, 10% of the business is cash.”

With our new POS system [provided by PayCompass], we can track sales hour-by-hour. I can be out and pull it up on my phone and see if the girls are having a busy hour, busy afternoon, or busy morning.rnrnI can easily say, ‘Gosh, it looks really quiet. Why don’t one of you guys go home?’ or ‘Hey, it’s really busy, you need some help, so I’ll show up.

—Karen Miller
Owner of Gold Bar Espresso
“PayCompass really revolutionized how we work with our customers and employees.”

We have 1800+ items with barcodes in our store. Misay, our PayCompass Agent, came into the picture and scanned all of them, and now it’s way easier to sell to our customers. We used to have a lot of cash – big jugs of pennies, quarters, nickels, dollar bills – but now we’ve moved on to credit cards and Apple Pay. People pay with their watches now. It’s cool to see.

—Hazem Awawdeh
Owner of El Paisano’s
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How It Works

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Minutes to Apply

Our online form with minimal paperwork is easy to fill out and submit with a quickness for our virtual terminal merchant services.
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Fast Approval

For virtual terminal payment processing, look for approval within 3 to 5 business days. If needed, our experts will offer guidance to improve your application’s chances.
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Accept Payments

Enjoy smooth payment processing with an intuitive PayCompass virtual credit card terminal – our expert team is always ready to assist you.
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Secured Growth

Monitor transactions with our virtual terminal merchant services in real-time on our unified platform. Receive dedicated support anytime you need it.

About Our Services

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Virtual Terminal Payment Gateway

Our payment gateway for virtual terminal merchant services is ultra smooth with secure remote payments – offering fast authorization and encrypted data transmission to make payment processing a breeze.
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Virtual Terminal Payment Processing

Boost your business with PayCompass virtual terminal payment processing made to take on remote payments with efficiency. Our infrastructure minimizes chargebacks and makes financial management free of hassle.
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Virtual POS Terminal for High Performance Solutions

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Fraud Risks:

Keep your remote transactions locked down. Our advanced fraud tools within our virtual terminal merchant services protect every payment, because nobody likes surprises.
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Chargebacks:

Say goodbye to unnecessary disputes. Our chargeback management tools help you keep your revenue where it belongs – in your pocket. We make virtual terminal payment processing easier.
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Multi-Currency Transactions:

Go global without the headaches. We handle multi-currency payments so you can reach customers worldwide in 170+ countries with the best virtual terminal payment processing for you.
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Real Time Monitoring:

Know what’s happening, when it’s happening. Our real-time transaction reports keep you in the loop, always.
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World Class Support:

If you’ve got questions, we’ve got answers – our experts are here to help, ensuring your payment processing is smooth sailing.

Top Industries We Serve

Personal Services
Professional Services
Securely process client retainers, invoices, and project payments remotely via phone or email. We ensure safe transactions, important for maintaining client trust and handling sensitive financial data, while making accepting payments easy.
Healthcare
Healthcare Providers
We simplify patient billing for remote consultations, post-service payments, and insurance co-pays. Rest assured that our virtual terminal is HIPAA-compliant, keeping the processing of sensitive patient financial information safe.
Non Profit
NonProfits
For nonprofits, donations are frequently handled over the phone or via online pledge forms that require manual card entry. With our virtual terminal merchant services, you can efficiently handle these payments through streamlined donation processing that allows you to focus on your mission.
Contractors
Contractors
Many times, plumbers, HVAC, electricians, and cleaning services don’t have a traditional POS on hand. With PayCompass, accept payments on-site via tablet or smartphone, or by phone for service calls. Generate invoices and process payments remotely while improving your cash flow and customer convenience.
B2B Payment Processing
B2B
Process large-volume transactions and manage invoice payments securely via email or phone. Our virtual terminal supports suppliers, distributors, and equipment rental companies’ endeavors with detailed transaction tracking and reporting, which is essential.
Travel
Travel Companies
Travel agencies, tour operators, boutique hotels, and event planners use our virtual terminal credit card processing solutions for bookings, reservations, and travel package payments to be processed securely over the phone or online. We support multi-currency payments worldwide in over 170 countries, catering to international clients.
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Our Virtual Terminal POS Solutions

Our virtual terminal merchant services include:

  • Virtual Terminal
  • Mobile
  • In-store retail
  • e-Commerce
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Transforming Virtual POS Challenges to Revenue

Upgraded Payment Solutions


Take payments to the next level with PayCompass. We’re all about processing payments and giving you a strategic edge with our virtual credit card terminal. Experience fewer headaches, smoother workflows, and more time to focus on what truly matters.
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Strategic Advantages

We’ve designed our solutions to give you a competitive advantage with streamlined processes for smooth payments, top-notch security, and support you can bank on with our payment experts on your team.

Expert Payment Solutions

Join the crowd of 6,250 savvy businesses using PayCompass. We make remote payments easy with virtual terminal merchant services that are advanced – allowing us to handle all the intricate details so you can focus on what you do best.

Reach out to us today for a consultation or apply today so you can find out what a difference our solutions for streamlined payments can make to empower your business to thrive.

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Revolutionize Your Payment Solutions

Join over 6,250 merchants worldwide who trust PayCompass for expert payment solutions. Whether you need specialized high-risk merchant accounts or advanced payment processing tools, we’re here to simplify the complexities. Let us handle the intricate details, so you can stay focused on what you do best.

Get in touch with us today for a consultation or subscribe to our high-risk merchant services, and experience the difference that streamlined payment solutions can make in empowering your business to thrive.

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Note: PayCompass is not a lending institution and does NOT issue personal credit cards or loans.

Frequently Asked Questions

Virtual terminal merchant services are hubs for online payments. At PayCompass, we make it ultra-secure and easy. You simply log in through your web browser or mobile device, enter the customer’s payment details and process the payment safely. We handle the authorization and settlement, making it easy for you to accept payments from anywhere. This is perfect for businesses that handle phone orders, mail orders, or any ‘card-not-present’ transactions.

Absolutely! Recurring and scheduled payments are hassle-free with PayCompass. This feature is made for businesses with subscription-based services, membership fees, or ongoing client billing. Set up payment schedules, and our system will automatically process transactions. We aim to save you time and keep your cash flow consistent. Count on PayCompass virtual terminal payment processing for all your recurring billing needs.

We understand that competitive rates are crucial for your business. At PayCompass, we offer transparent and competitive pricing, tailored to your specific business needs. Rates can vary depending on your transaction volume, industry, and risk profile. Here’s what you can expect from us:

Transaction Fees: Percentage per successful transaction, varies by card type.
Authorization Fees: A small, fixed fee charged for each authorization request made via your virtual terminal.
Monthly Fees: With PayCompass, no regular monthly charges for our virtual credit card terminal!
Chargeback Fees: Costs incurred when a customer disputes a transaction processed through your virtual terminal.

We’re dedicated to providing competitive rates that align with your business goals. By understanding the costs involved, you can focus on growing your business, rather than deciphering complex fee structures.

Getting started with our virtual terminal merchant services is straightforward. Simply apply for a PayCompass merchant account and expect approval within 3 to 5 business days – our team will handle compliance and industry-specific requirements for you. As long as you have a device with internet access upon approval, you’ll be ready to go! Our setup process is designed to be quick and user-friendly, allowing you to start processing payments as soon as possible.