Payment Gateway Virtual Terminal

An Easy and Low Cost Way to Process Credit Card Payments Online

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All CyoGate Internet Payment Gateway accounts include a feature-rich Virtual Terminal that privides numerous ways to process credit card payments online from virtually any website or ecommerce platform.

The Virtual Terminal itself (pictured right) acts like a typical "card-swipe" terminal, but it's used for card-not-present business transactions where there is no physical credit card to actually swipe. The Virtual Terminal is also much more robust than a typical card-swipe terminal and provides the following capabilities:

• Process credit card sales, authorize/captures, voids, and refunds

• Subscription billing and recurring payments without having to store sensitive customer credit card data

• Batch upload processing support

• QuickBooks^® export or full QuickBooks^® integration using SyncPay

• Free ecommerce shopping cart along with our "QuickClick" button generator makes it easy to ecommerce enable any web page and it doesn't require any additional software or an SSL certificate to be installed on your website. Merchants are able to customize the look and feel of their shopping cart pages.

• True API Integration with published documentation allows integration with virtually any system or software application. There are dozens of shopping cart API's written for most popular ecommerce applications and store-fronts.

• Free SwIPe software enables merchants to process card-present transactions utilizing a Windows PC with an inexpensive magnetic stripe reader

• Optional Customer Vault allows you to tokenize and store customer payment information securely in our Level 1 PCI certified data facility. Once the customer record has been added to the Customer Vault, transactions may be initiated remotely without having to access cardholder information directly.

• Detailed transaction reports

• Online video tutorials

• More!

Who Uses a Virtual Terminal?

A virtual terminal is the right tool for any business that accepts payments without a physical card present:

• Phone order businesses — call centers, service businesses, and retailers that take credit card numbers over the phone
• Mail and fax order merchants — businesses that receive paper order forms with card details
• Service businesses and contractors — who invoice clients and collect payment remotely after work is completed
• Remote sales teams — who need to process transactions from laptops or tablets without a dedicated POS terminal
• Nonprofits and event organizers — who collect registrations or donations by phone

Virtual Terminal vs. Physical Terminal

A physical card-swipe terminal is ideal when the customer and their card are physically present — retail environments, restaurants, and face-to-face service businesses. It qualifies for lower card-present interchange rates and reduces fraud liability.

A virtual terminal is for card-not-present transactions where no physical swipe is possible. These transactions carry slightly higher rates to account for the elevated fraud risk. However, CyoGate's virtual terminal includes AVS (Address Verification) and CVV checks that, when matched, significantly reduce fraud exposure and can influence favorable dispute outcomes.

If you process both types, the CyoGate gateway handles both — the free SwIPe software turns any Windows PC into a card-swipe terminal, and the virtual terminal handles all card-not-present sales from the same account.

Mobile Access

Need to process transactions in the field? CyoGate also offers a full mobile payment gateway for iOS and Android, purpose-built for merchants who need gateway features on smartphones and tablets. For field-based eCheck collection, see our mobile eCheck processing option.

To request a demonstration of the CyoGate Virtual Terminal, please contact us today!