Virtual Terminal
Take payments over the phone or online — no card reader needed
SpotOn's virtual terminal lets you key in card payments from any browser. Perfect for phone orders, invoices, and businesses that don't always have a customer in front of them.
Any device
Works from any browser — desktop, tablet, or phone
24/7
Support from real people, not bots
Next day
Funding available with SpotOn payments
Get paid over the phone in seconds
Key in a customer's card number from any browser — no card reader, no app download required. Perfect for contractors, consultants, and service businesses that take orders by phone.
- Works from any browser or device
- No card reader required
- Instant payment confirmation
- Digital receipts via text or email
Send payment links and get paid faster
Send a secure payment link directly to your customer's phone or email. They click, enter their card, and you get paid — no chasing checks, no waiting on invoices.
- Secure payment links via text or email
- No customer account required
- Real-time payment notifications
- Full transaction history & reporting
Every transaction protected
SpotOn's virtual terminal is PCI-compliant and backed by industry-leading fraud protection. Customer card data is tokenized and never stored on your device.
- PCI-compliant processing
- Tokenized card data storage
- Automatic fraud detection
- Chargeback management support
"The virtual terminal was a game changer for us. We take deposits over the phone all the time now — no more waiting on checks or running cards in person."
Brian T.
Owner, Gulf Coast Contracting
Frequently asked questions
Ready to take payments from anywhere?
Panhandle Merchant Services sets up SpotOn's virtual terminal for businesses across Pensacola and the Gulf Coast. Get a free demo today.
Get a free demo