{"id":3922,"date":"2024-06-09T18:24:15","date_gmt":"2024-06-09T12:54:15","guid":{"rendered":"https:\/\/in.nttdatapay.com\/blog\/?p=3922"},"modified":"2025-07-16T12:20:52","modified_gmt":"2025-07-16T06:50:52","slug":"what-is-virtual-terminal","status":"publish","type":"post","link":"https:\/\/in.nttdatapay.com\/blog\/what-is-virtual-terminal\/","title":{"rendered":"What is a virtual terminal? Everything You Should Know"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Virtual terminals have revolutionised the way businesses process electronic payments. They are cloud-based software applications that enable merchants to securely accept credit card payments remotely without needing physical terminals.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Let\u2019s explore the fundamental aspects explaining what is virtual terminals, and offering a detailed understanding of their functionality, benefits, and considerations for merchants.<\/span><\/p>\r\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2460-o1\" lang=\"en-GB\" dir=\"ltr\" data-wpcf7-id=\"2460\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/3922#wpcf7-f2460-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2460\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_GB\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2460-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"cus-form\">\n\t<p style=\"font-size: 24px;font-weight: 600;text-align: center;\">Enquire Now\n\t<\/p>\n\t<p><label>Products Required:<\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"products\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" name=\"products\"><option value=\"Payment Gateway\">Payment Gateway<\/option><option value=\"POS Machine\">POS Machine<\/option><option value=\"Reseller\">Reseller<\/option><\/select><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"uname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"uname\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-control\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"10\" rows=\"3\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea form-control\" aria-invalid=\"false\" placeholder=\"Message\" name=\"message\"><\/textarea><\/span><br \/>\n\t\n\t<input class=\"wpcf7-form-control wpcf7-hidden\" id=\"utm\" value=\"\" type=\"hidden\" name=\"utm\" \/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n\t<\/p>\n<\/div>\n<style>\n.cus-form .form-control{width: 100%!important;margin: 7px 0px;padding: 8px;border-radius: 3px;height: auto;line-height: 20px;}\n.cus-form{display: block;margin: 0 auto;max-width: 400px;width: 100%;padding: 20px;box-shadow: 0px 0px 4px 0px #0000002b;border-radius: 6px;margin-bottom: 25px;padding-bottom: 0px;}\n.cus-form .wpcf7-submit{margin: 0 auto;display: block;}\n.cus-form h3{background: #ff6644;text-align: center;margin: -21px;margin-bottom: 20px;padding: 6px;}\n<\/style>\n<p><script>\ndocument.getElementById(\"utm\").value = window.location.href;\n\ndocument.addEventListener( 'wpcf7mailsent', function( event ) {\n location = 'https:\/\/in.nttdatapay.com\/blog\/thankyou\/';\n}, false );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n<h2><span style=\"font-weight: 400;\">Everything You Should Know About Virtual Terminal<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">A virtual terminal is a software application that allows merchants to securely process electronic payments without requiring physical credit card terminals or point-of-sale devices. Simply, a virtual terminal acts as the digital equivalent of a physical credit card machine.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">While physical terminals have traditionally been used to swipe or insert cards during in-person transactions, virtual terminals enable merchants to accept payments remotely over the phone, online, or via other digital channels.<\/span> <span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">As e-commerce and remote commerce have grown exponentially in recent years, virtual terminals have become a convenient <a href=\"https:\/\/in.nttdatapay.com\/blog\/overview-of-omni-channel-payment-processing\/\">payment processing<\/a> solution for many businesses.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">What is Virtual Terminal?<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">A virtual terminal is a web-based software application that allows merchants to manually key in credit card details to process payments without needing the physical card. It simulates the functionality of a physical <\/span><a href=\"https:\/\/in.nttdatapay.com\/blog\/difference-between-cash-registers-and-pos-systems\/\"><span style=\"font-weight: 400;\">point-of-sale device<\/span><\/a><span style=\"font-weight: 400;\"> through an online interface that can be accessed from any internet-connected device like a computer, tablet, or smartphone.\u00a0<\/span><\/p>\r\n<h2 style=\"text-align: center;\"><span id=\"Recent_Web_Stories\">Recent Web Stories<\/span><\/h2>\r\n\t\t<div class=\"web-stories-list alignnone has-archive-link is-view-type-circles is-style-default is-carousel\" data-id=\"1\">\n\t\t\t<div\n\t\t\tclass=\"web-stories-list__inner-wrapper carousel-1\"\n\t\t\tstyle=\"--ws-circle-size:150px\"\n\t\t\t>\n\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"web-stories-list__carousel circles\"\n\t\t\t\t\tdata-id=\"carousel-1\"\n\t\t\t\t\tdata-prev=\"Previous\"\n\t\t\t\t\tdata-next=\"Next\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/future-of-digital-currency-how-to-use-cbdc-in-india\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"Future of Digital Currency: How to Use CBDC in India\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Future-of-Digital-Currency-How-to-Use-CBDC-in-India-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/top-reasons-why-online-payment-fails\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"10 Top Reasons Why Online Payment Fails?\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Top-Reasons-Why-Online-Payment-Fails-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/what-are-upi-transaction-mistake\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"What Are UPI Transaction Mistake?\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/What-Are-UPI-Transaction-Mistake-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/book-tickets-on-irctc-with-international-debit-credit-cards\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-640x853.jpg\"\n\t\t\t\t\t\talt=\"Book Tickets on IRCTC with International Debit &#038; Credit Cards\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/Book-Tickets-on-IRCTC-with-International-Debit-Credit-Cards-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div\n\t\t\t\tclass=\"web-stories-list__story\"\n\t\t\t\tdata-wp-interactive=\"web-stories-block\"\n\t\t\t\tdata-wp-context='{\"instanceId\":1}'\t\t\t\tdata-wp-on--click=\"actions.open\"\n\t\t\t\tdata-wp-on-window--popstate=\"actions.onPopstate\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<div class=\"web-stories-list__story-poster\">\n\t\t\t\t<a href=\"https:\/\/in.nttdatapay.com\/blog\/web-stories\/how-to-create-a-payment-gateway-api\/\" >\n\t\t\t\t\t<img\n\t\t\t\t\t\tsrc=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-640x853.jpg\"\n\t\t\t\t\t\talt=\"How To Create a Payment Gateway API?\"\n\t\t\t\t\t\twidth=\"185\"\n\t\t\t\t\t\theight=\"308\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page.jpg 640w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-105x140.jpg 105w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-311x414.jpg 311w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-149x199.jpg 149w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-60x80.jpg 60w, https:\/\/in.nttdatapay.com\/blog\/wp-content\/uploads\/2024\/03\/How-To-Create-a-Payment-Gateway-api-poster-page-150x200.jpg 150w\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tsizes=\"auto, (max-width: 640px) 100vw, 640px\"\n\t\t\t\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\tdecoding=\"async\"\n\t\t\t\t\t>\n\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div tabindex=\"0\" aria-label=\"Previous\" class=\"glider-prev\"><\/div>\n\t\t\t\t\t<div tabindex=\"0\" aria-label=\"Next\" class=\"glider-next\"><\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\r\n<h1><span style=\"font-weight: 400;\">How Do Virtual Terminals Work?<\/span><\/h1>\r\n<p><span style=\"font-weight: 400;\">The basic workflow for <\/span><a href=\"https:\/\/in.nttdatapay.com\/blog\/what-is-an-internet-merchant-account-and-how-to-accept-payments\/\"><span style=\"font-weight: 400;\">accepting payments<\/span><\/a><span style=\"font-weight: 400;\"> via a virtual terminal:<\/span><\/p>\r\n<ol>\r\n<li><span style=\"font-weight: 400;\"> A merchant logs into their virtual terminal account from any browser.\u00a0<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> The customer\u2019s payment details are manually entered into the secure online forms for the transaction.<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> The virtual terminal connects to the payment processor\/acquirer to request authorisation.\u00a0<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> If approved, funds are transferred from the customer&#8217;s account to the merchant&#8217;s bank account within 1-3 business days.\u00a0<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\"> Merchants can issue receipts, process refunds\/voids, and access detailed reports directly from their virtual terminal dashboard.<\/span><\/li>\r\n<\/ol>\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/in.nttdatapay.com\/blog\/what-is-a-virtual-credit-card\/\">Virtual terminals digitise the credit card<\/a> transaction process without needing physical hardware present. This allows merchants maximum flexibility to take payments from any location.<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong><i>Key takeaways about virtual terminals:<\/i><\/strong>\r\n<ul>\r\n<li><span style=\"font-weight: 400;\">They are typically cloud-based solutions that don&#8217;t require any hardware installations. Merchants can simply sign up for an account online.<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Payment details, like card numbers, expiration dates, CVV codes, etc., are entered manually into secure web forms rather than swiped or inserted on physical terminals.\u00a0<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Advanced virtual terminals offer features like recurring billing, subscriptions, invoicing, and reporting for enhanced payment management.<\/span><\/li>\r\n<li><span style=\"font-weight: 400;\">Transactions are processed in real time via direct connections to major card networks and acquirers, just like physical terminals.<\/span><\/li>\r\n<li>Supported payment types may include credit cards, debit cards, <a href=\"https:\/\/in.nttdatapay.com\/blog\/digital-wallets-future-of-online-payment-system\/\">digital wallets<\/a>, EMV chip cards, ACH\/eCheck, and emerging options like buy now pay later.<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><span style=\"font-weight: 400;\">Choosing a Virtual Terminal Provider For Your Business<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">With the growth of payment technology options, merchants now have many choices when selecting a virtual terminal solution. Here are some key factors to evaluate different providers:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pricing structure<\/b><span style=\"font-weight: 400;\"> &#8211; Compare setup\/recurring fees, transaction rates, cancellation policies, etc. Avoid hidden costs.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Payment types accepted<\/b><span style=\"font-weight: 400;\"> &#8211; Ensure support for the specific card brands and digital wallets you need.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Features included<\/b><span style=\"font-weight: 400;\"> &#8211; Check if needed functionalities like <a href=\"https:\/\/in.nttdatapay.com\/blog\/what-is-recurring-payment\/\">recurring payments<\/a>, subscriptions, and invoicing are supported out of the box.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Security certifications<\/b><span style=\"font-weight: 400;\"> &#8211; Look for providers that use industry-standard encryption and are PCI compliant.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer support <\/b><span style=\"font-weight: 400;\">&#8211; Consider response times, availability of live agents, and self-service support portals.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reviews and reputation<\/b><span style=\"font-weight: 400;\"> &#8211; Check third-party reviews and ratings.\u00a0\u00a0<\/span><\/li>\r\n<\/ul>\r\n<h2><span style=\"font-weight: 400;\">Secure Your Online Payments with NTT DATA Payment Services<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">As businesses increasingly move their operations online and look to engage customers through digital channels, having a reliable virtual terminal is essential infrastructure. NTT DATA Payment Services ensures transactions are handled securely and efficiently via direct connections to major card networks.\u00a0<\/span><\/p>\r\n<p><a href=\"https:\/\/www.nttdatapay.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">NTT DATA Payment Services<\/span><\/a><span style=\"font-weight: 400;\"> offers a complete payment solution to advance both your offline and online businesses <\/span>from, <span style=\"font-weight: 400;\"><!-- \/wp:post-content -->\r\n\r\n<!-- wp:list --><\/span><\/p>\r\n<ul><!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/online-payment-gateway-india\" target=\"_blank\" rel=\"noopener\">Payment Gateway India<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/swipecard-pos-machine\" target=\"_blank\" rel=\"noopener\">POS machines<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/www.nttdatapay.com\/ivr-payment-system\" target=\"_blank\" rel=\"noopener\">IVR payments<\/a><\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li>Mobile applications, and<\/li>\r\n<!-- \/wp:list-item -->\r\n\r\n<!-- wp:list-item -->\r\n<li><a href=\"https:\/\/in.nttdatapay.com\/blog\/bharat-qr-code-how-it-works-and-benefits\/\">Bharat QR Scan and Pay<\/a><\/li>\r\n<!-- \/wp:list-item --><\/ul>\r\n<p><span style=\"font-weight: 400;\"><!-- \/wp:list -->\r\n\r\n<!-- wp:paragraph --><\/span> We <span style=\"font-weight: 400;\">ensure maximum comfort, convenience, and safety for all your payments.<\/span><\/p>\r\n<h2><span style=\"font-weight: 400;\">Benefits of Using a Virtual Terminal<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">The main advantages that virtual terminals provide over physical terminals include:<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Remote Payment Acceptance:<\/b><span style=\"font-weight: 400;\"> Merchants can process transactions from anywhere via internet-connected devices without customers being physically present. This enables convenient options like mail\/phone orders, donations, and more.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lower Startup Costs:<\/b><span style=\"font-weight: 400;\"> Virtual terminals have no hardware costs and typically have low\/no monthly fees. This makes them much more affordable than physical <a href=\"https:\/\/in.nttdatapay.com\/blog\/benefits-of-pos-system-in-pharmacy\/\">POS systems<\/a> for smaller businesses.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Multi-user Access:<\/b><span style=\"font-weight: 400;\"> Multiple staff members can have their own login to process payments simultaneously from different locations.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Robust Reporting: <\/b><span style=\"font-weight: 400;\">Detailed sales reports, analytics, and business insights are easily accessible from anywhere through the online dashboard.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Technology Agnostic:<\/b><span style=\"font-weight: 400;\"> Virtual terminals work seamlessly across all devices without needing specialised POS software or hardware installations.\u00a0<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Payment Security:<\/b><span style=\"font-weight: 400;\"> Transactions are processed through secure encrypted connections directly to major card networks to ensure the protection of sensitive customer data.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Additional Features:<\/b><span style=\"font-weight: 400;\"> Many providers offer advanced capabilities like recurring billing, subscriptions, invoicing, inventory management, and more.<\/span><\/li>\r\n<\/ul>\r\n<h2><span style=\"font-weight: 400;\">Maximise Your Business Growth With Virtual Terminals<\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">Virtual terminals represent a pivotal advancement in payment processing, catering to the evolving needs of businesses by providing a robust, secure, and flexible means of accepting payments from any location. Virtual terminals have democratised access to electronic payments, particularly benefitting small and medium-sized enterprises.\u00a0<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">Virtual terminals&#8217; convenience and cost-effectiveness have helped merchants expand their reach, engage in remote commerce, and streamline their payment operations.<\/span><\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:table -->\r\n<figure class=\"wp-block-table\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td style=\"text-align: center;\"><em>Also, you can get frequent updates on <a href=\"https:\/\/www.instagram.com\/nttdatapayments\/\" target=\"_blank\" rel=\"noopener\">nttdatapayments<\/a> Instagram page.<\/em><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n<h2 style=\"text-align: center;\"><span style=\"font-weight: 400;\">Virtual Terminal: FAQs<\/span><\/h2>\r\n<h4><strong>1. What is considered a virtual terminal?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">A virtual terminal is a software application, typically web-based, that allows merchants to securely process electronic payments without requiring physical credit card terminals or point-of-sale devices.\u00a0<\/span><\/p>\r\n<h4><strong>2. How do virtual terminals work?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">Virtual terminals connect merchants directly to <a href=\"https:\/\/in.nttdatapay.com\/blog\/payment-facilitator-vs-payment-processor\/\">payment processors<\/a> to submit transaction details securely. Payment information like card numbers and expiration dates are manually entered through a secure online form. If authorised, funds are deposited instantly.<\/span><\/p>\r\n<h4><strong>3. What are the benefits of using a virtual terminal?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">The following are the benefits of virtual terminals\u00a0<\/span><\/p>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enable remote payment acceptance<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have lower startup costs than physical terminals<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allow multi-user access<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide robust reporting capabilities<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ensure secure data handling<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Offer additional features like recurring billing and subscriptions.<\/span><\/li>\r\n<\/ul>\r\n<h4><strong>4. How do I get started with a virtual terminal?<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">To begin accepting payments via a virtual terminal, you must sign up for a <a href=\"https:\/\/in.nttdatapay.com\/blog\/difference-between-a-payment-gateway-and-a-merchant-account\/\">merchant account with a payment<\/a> processor. This involves submitting an application with some basic business and banking details. Once approved, you will be provided login credentials to access your secure virtual terminal dashboard. From there, you can start processing transactions immediately using any internet-connected device.<\/span><\/p>\r\n<h4><strong>5. What payment types can a virtual terminal accept?\u00a0<\/strong><\/h4>\r\n<p><span style=\"font-weight: 400;\">Most virtual terminals accept major credit cards, including Visa, Mastercard, American Express, and Discover. Some processors may have additional local payment methods available as well. Be sure to confirm the specific <a href=\"https:\/\/in.nttdatapay.com\/blog\/what-are-third-party-payment-providers\/\">payment options supported by your provider<\/a>. \u00a0 <\/span><\/p><!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>Virtual terminals have revolutionised the way businesses process electronic payments. They are cloud-based software applications that enable merchants to securely accept credit card payments remotely without needing physical terminals.\u00a0 Let\u2019s&#8230; <!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":4812,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,16],"tags":[96],"class_list":["post-3922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","category-payment","tag-what-is-a-virtual-terminal"],"_links":{"self":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/comments?post=3922"}],"version-history":[{"count":5,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3922\/revisions"}],"predecessor-version":[{"id":4360,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/posts\/3922\/revisions\/4360"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media\/4812"}],"wp:attachment":[{"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/media?parent=3922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/categories?post=3922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/in.nttdatapay.com\/blog\/wp-json\/wp\/v2\/tags?post=3922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}