Virtual Terminal for High-Risk Merchants

A virtual terminal is a web-based solution that allows merchants to manually process credit card payments without physical card readers. It works by providing a secure online interface where you can enter customer payment information, including card details, to process transactions. CircoPay's Virtual Terminal works from any device with an internet connection, making it ideal for phone orders, mail orders, or in-person payments when a physical terminal isn't available.

Absolutely. Our Virtual Terminal meets the highest security standards with PCI DSS Level 1 compliance, tokenization of sensitive data, and advanced fraud monitoring. We've built specific security features for high-risk merchants, including custom risk thresholds, IP monitoring, and AVS/CVV verification. All transactions are encrypted with bank-grade security, and our system continuously monitors for suspicious activities to protect your business.

Yes, CircoPay's Virtual Terminal includes a powerful recurring billing engine. You can create customized subscription plans with flexible billing intervals, trial periods, and automatic retry logic for failed payments. You can also manage the entire customer subscription lifecycle, including upgrades, downgrades, and cancellations, directly through the Virtual Terminal interface.

Our Virtual Terminal supports all major credit and debit cards, including Visa, Mastercard, American Express, Discover, JCB, and Diners Club. Additionally, you can process ACH/eCheck payments for recurring billing and larger transactions. The system also supports international cards and can process transactions in multiple currencies to accommodate global customers.

Getting started is simple. First, apply for a high-risk merchant account with CircoPay. Once approved (typically within 24-48 hours), we'll set up your Virtual Terminal access with customized settings for your business type. Our team will provide personalized onboarding and training to ensure you're comfortable with all features. You can begin processing payments immediately after setup is complete.