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Cashflows Virtual Terminal
What Cashflows Virtual Terminal is
Cashflows Virtual Terminal lets businesses take card payments by phone through a Cashflows Portal account. The browser-based terminal handles mail-order and telephone MOTO payments, accepting Visa, Mastercard and American Express. Businesses can also create payment links for customers to pay at their convenience; Cashflows says these links use Strong Customer Authentication and are more secure than phone-based MOTO payments. The terminal works on any device with an internet connection and a browser, and is mobile optimised. Cashflows says it requires no setup, integration or additional hardware, and places no limit on users. Businesses can choose which fields appear and whether each is mandatory or optional. Listed functions include refunds, invoices and customer records, with cards as the payment method and support for multiple currencies. Cashflows is PCI DSS Level 1 certified and says transaction and cardholder information is encrypted in transit. Pricing is on request. Cashflows describes the multi-user terminal as suited to health centres and central call centres. Office support is listed Monday to Friday, while specialist card-terminal support also covers weekends.
Who it suits
It may suit businesses taking card payments by phone, particularly health centres and central call centres. The payment links may also suit businesses that want customers to complete payment themselves.
What it does well
- Accepts Visa, Mastercard and American Express.
- Payment links use Strong Customer Authentication.
- No additional hardware is required.
- No limit on users.
- Supports refunds, invoices and customer records.
What to know first
- Pricing is available on request.
- Payment methods are cards only.
- Requires a Cashflows Portal account.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Cashflows Virtual Terminal | No setup or integration · no limit on users · no additional hardware | On request |
As cashflows.com lists them, read 1 Oct 2026. The maker's own page has the final word.
Getting started
- Open the Cashflows Virtual Terminal website.
- Access the terminal through a Cashflows Portal account.
- Use a browser and internet connection on a device of your choice.
- Choose which fields to display and whether they are mandatory or optional.
- Take phone payments or create payment links for customers.
Verdict
Cashflows Virtual Terminal combines phone-based card payments with customer payment links and browser access. Businesses should confirm pricing and whether its card-only payment methods meet their needs.
Questions
How much does Cashflows Virtual Terminal cost?
Pricing is available on request.
Which payment types does it support?
It supports mail-order and telephone MOTO payments, and accepts Visa, Mastercard and American Express over the phone. Cards are the listed payment method.
What devices can I use?
It works in a browser on any device with an internet connection and is mobile optimised.
Does it require hardware or integration?
Cashflows says it requires no additional hardware, setup or integration.
How many users can use it?
Cashflows states there is no limit on users.
Facts from Cashflows Virtual Terminal's own pages
- Access
- The terminal can be used anywhere with an internet connection and a browser. · developer.cashflows.com, 1 Oct 2026
- Card brands
- It accepts Visa, Mastercard and American Express over the phone. · cashflows.com, 1 Oct 2026
- Customisation
- Businesses can customise which Virtual Terminal fields are displayed and whether they are mandatory or optional. · developer.cashflows.com, 1 Oct 2026
- Encryption
- Cashflows states that transaction information and cardholder information are encrypted in transit. · cashflows.com, 1 Oct 2026
- Hardware
- The product requires no additional hardware. · cashflows.com, 1 Oct 2026
- Headquarters
- London, United Kingdom · cashflows.com, 28 Sept 2026
- Integrations
- Cashflows developer documentation provides Shopify Hosted Checkout Pages and WooCommerce plugin integration guidance. · developer.cashflows.com, 1 Oct 2026
- Mobile use
- Virtual Terminal is mobile optimised and accessible from any device. · cashflows.com, 1 Oct 2026
- Payment links
- Virtual Terminal can create payment links that customers follow to pay at their convenience. · developer.cashflows.com, 1 Oct 2026
- Payment types
- The browser-based terminal supports mail-order and telephone MOTO payments. · developer.cashflows.com, 1 Oct 2026
- Purpose
- Virtual Terminal is accessed through a Cashflows Portal account to take payments by phone. · cashflows.com, 1 Oct 2026
- Security
- Cashflows is PCI DSS Level 1 certified, described as the highest level of card data security. · cashflows.com, 1 Oct 2026
- Setup
- Cashflows states that Virtual Terminal requires no setup and no integration. · cashflows.com, 1 Oct 2026
- Strong authentication
- Cashflows says payment links use Strong Customer Authentication and are more secure than MOTO payments over the phone. · developer.cashflows.com, 1 Oct 2026
- Support
- Cashflows lists office hours of 09:00–17:00 UK time Monday–Friday and specialist card-terminal support from 08:00–23:00 Monday–Saturday and 10:00–17:00 Sunday. · cashflows.com, 1 Oct 2026
- Target users
- Cashflows describes the multi-user terminal as ideal for health centres and central call centres. · developer.cashflows.com, 1 Oct 2026
- Users
- Cashflows states there is no limit on users. · cashflows.com, 1 Oct 2026
Where Cashflows Virtual Terminal stands on Freedom251
- Virtual Terminal Software#14 of 28